I wish NZ banks offered mortgages fixed for the whole term. We can only fix for 5 years. I'm at 5.88% floating and it jumps by 3% next year to 8.88% after my special discount expires (if the OCR doesn't change).

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Same in Canada. Many people will be refinancing at much higher rates. Massive ticking time bomb.

in croatia currently banks don't offer anything other then fixed rate for the whole duration of mortgage

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