Frances Cook

I suspect that you're right.

All signs point to that.

All right, Katie, when you're sitting across from a client who's just, maybe they tuned into this exact webinar and they come to you and they say, well, it sounds like rates are going up again.

What do you talk to them there?

You know, they often don't know what to do next.

They might be panicking.

They might be in that freeze mode that you mentioned before.

First thing you would talk to them about?

Oh, Christophe, you were going to say?

Yeah, yeah, it's a really good reminder as well to stop that sort of freeze mode of we've got through worse, we can do it again.

Katie, if someone is coming off a fixed rate in the next few months, what would you say they should be thinking about?

What are the key decisions in front of them?

100%.

And you and I have talked so much about mortgage tactics.

And I think for anyone who's wanting more depth on some of the things we touched on today, search Katie Wesney and the Making Sense back catalog.

We've got so much good stuff from you over the last

18 months of this podcast so people can get some great mortgage tips and tricks from you there.

both points that I strongly agree with.

It's wild that we're in this situation.

I dived into that at one point about why we have those shorter rates in New Zealand.