Owen McGee
speaker
1,739 appearances
11 recordings
2 series
first heard May 2026
last heard 22 Sep
Owen McGee’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 11 in all, peaking in Sep 2026 with 3.
Appearances
So we're only kind of six or seven months ahead of us.
If it's really worrying you, I would definitely be talking to, I would suggest a broker, but I would say that.
I would be talking to a broker to see what your options are available to you.
But anybody tells you where interest rates are going to be in six months time is either guessing or they're lying.
Now, it might be a very educated guess, but they are guessing or they're lying.
Because, look, even if you look at what happened very recently, the ECB went up and everyone else was expected to go up.
And then there was some global news.
And then there was a bit of a change of heart with some of the other central banks.
So they don't even know what they're doing today.
So none of us know what they're going to be doing in six months' time.
But this comes down to sleep for you, Ciarán.
And if you're losing sleep over it, get some advice on it.
And actually, just another interesting point.
People say it's a good idea to fix your mortgage the whole time.
If you take a two-year fixed rate or a five-year fixed rate, and let's say a 30-year mortgage, five years, and every time it comes up, you go fixed again.
Fixing a mortgage is taking out insurance.
And you're paying for that insurance.
You're paying for the surety that you're going to know what the repayments are going to be for the next two years or the next five years.
In an ordinary functioning banking environment, that insurance should cost you money.
Because if you take the risk of going variable and it moves up and down, then you're not paying for the insurance and therefore it should be cheaper over the full 30 years.
Showing 1281–1300 of 1,739 · page 65 of 87
← Previous
Next →