> Doesn't sound like good advice. When the market drops suddenly, lots of the people on the top rates won't get any work due to demand. Could you drop them at t

> Doesn't sound like good advice. When the market drops suddenly, lots of the people on the top rates won't get any work due to demand. Could you drop them at that point? Possibly but not if your mortgage would become unaffordable. Getting the biggest mortgage that your current income supports is the problem in that scenario. Being prudent and patient doesn't have to mean missing out on the good times.