It is hard to speak about mortgage interest rates these days without looking at the interest rate environment that is to come. Reasonably, after a couple of years of incredibly low rates, and rock-bottom interest rates, they are bound to rise at some point. Most people say they will make “the switch” when it makes sense for them. But do you want to play that game with your mortgage?

In periods of financial turmoil, employees often face the loss of their employment. However, with interest rates particularly low, the commuted values of pensions may offer some attractive lump-sum benefits upon departure.