Three-year fixed terms balance stability with flexibility. They are popular when borrowers expect to move or refinance sooner.
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Sometimes. It depends on market expectations and lender pricing.
You may face higher rates at renewal sooner, so plan ahead.
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APR (Annual Percentage Rate) is set by the lender and appears in their cost-of-borrowing disclosure. Pragmatic's effective rate and total-cost estimates include broker-paid rebates for comparison only and do not replace the lender's APR.