Nadine Higgins

And your head was spinning.

If you were sitting on a fixed rate, you were anxious for that to come off so that you could lock something in that wasn't going to be sky high.

But I think what you're saying is you're not expecting that this time around.

So if we know that the next move is up, however many follow that, I guess, who knows, but they've signaled pretty clearly the next move is up.

Yeah.

How are you best to approach that?

So do you think we spend way too much time wringing our hands about trying to get the best possible, you know, the extra five basis points or whatever of our interest rate rather than like what's actually going on in my particular finances?

Is it tough advising on interest rates at the moment?

Because it feels like we keep saying unprecedented times, the only certainty is uncertainty.

Do you have people come back to you and be like, Adam, you told me to go short and I should have gone long or vice versa?

Wait for the lower interest rate to come along.

What are people typically doing?

Have you got people that are worried about rates shooting up?

And so they're going, okay, should we be looking three, four, five years?

Or does that feel like an awfully long period of time to fix things in for?

Here I was hoping that you'd just say, fix for two years, make it simple.

But no, of course it has to be fit for purpose.

Hey, we need to take a quick break.

But after that, I want to talk about cashbacks and how hard banks are fighting for your business.

Or are they not?