At Current Rate Levels, consider a Fixed Rate. Based on Time, project your probability of how long you will remain in the property and tailor make the Home Loan to best fit your conditions. EXAMPLE: Relocating for 3-5 Years? Consider a 5 Year Balloon. This is a Fixed Rate for 5 Years and will adjust once to the Fixed Rate Market at the maturity time. It's labeled a Balloon because there are no rate increase and decrease limits. Not for the faint hearted! Good plan though can Save a HUGE amount on interest. Over 1.000% in today's market!