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> That sounds terrifying. Do people just pay them off within quickly if interest rates rise?

Variable rate mortgages were a better bet 88% of the time between 1950 and 2000:

* https://wowa.ca/static/fixed-vs-variable-study.pdf

Post-2000 variable did fairly well as well.

It's the recency bias of the last 1-2 years that have people really freaking out about it.



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