video1.0<iframe src="https://www.loom.com/embed/49e2c3293a03450fb8b36b56d7a2c103" frameborder="0" width="1152" height="864" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>8641152Loomhttps://www.loom.com8641152https://cdn.loom.com/sessions/thumbnails/49e2c3293a03450fb8b36b56d7a2c103-00001.gif513.206In this video, I provide an analysis of whether it's worth fixing rates or not. I compare the cheapest variable rates with the cheapest fixed rates for different durations. Based on forecasts, I discuss the possibility of rate rises in August and September, and potential rate reductions from May to October. I also highlight the impact of unemployment, spending habits, and inflation on the rates. I present data on different fixed rate options and discuss the potential benefits and costs of fixing rates. Ultimately, I suggest that choosing between variable and fixed rates depends on personal preference and risk tolerance. If you want to play the market and get the cheapest option, variable rates may be suitable. However, if you prioritize certainty and are concerned about future rate rises, fixing rates can provide peace of mind.