But I think the opposite is also true for mortgages. So it's relevant for many people. At least where I live, they increased the mortgage rate quickly when the

But I think the opposite is also true for mortgages. So it's relevant for many people. At least where I live, they increased the mortgage rate quickly when the government increased the rate, but I still haven't seen much of the decrease. Only way to get it is to threaten to switch or actually switch bank. A passive mortgage lender is getting ripped off.