Lots of people go variable interest rate. It's cheaper and has been for many years.. The argument is that when interest rates go up, you refinance at a fixed

Lots of people go variable interest rate. It's cheaper and has been for many years.. The argument is that when interest rates go up, you refinance at a fixed rate while you can afford it, or sell stocks to payoff a larger portion of you morgage. That strategy certainly has issue, because stocks will probably crash a bit when interest rates go up. On the flip side, interest rates will go up slowly, so you might be able to refinance to fixed rate -- the hard part is doing this before it's too expensive. As it'll always be more expensive than sticking with your variable rate.