Early repayment is more difficult in a low rates, high values scenario. The impact of a small windfall or a pay raise put towards the mortgage gets levered by

Early repayment is more difficult in a low rates, high values scenario. The impact of a small windfall or a pay raise put towards the mortgage gets levered by your rate. IMHO high rates / low values was a better situation for working stiffs. (I'm not 100% confident in this analysis; it seems like there should be an equivalence... but I don't think it's as symmetrical as it seems).