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this post was submitted on 25 Dec 2023
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"Now or never" is almost never a good deal. Avoid it like the plague
When COVID hit I had a now or never moment and took the now. I took it a couple times actually. Got me a real career in a new province out of the deal so I figure I ended up for the better. Sometimes the choice is obvious like it was for me and you need to jump on that shit before you never get another chance.
Same, though I didn't realize it was now or never at the time. April 2020 I started the process of buying a house. Asked friends and family if I should wait to see what happened with Covid. They all said wait. I didn't. Another couple of months later and I would still be renting. I'm so glad I jumped.
Getting g a mortgage just before the rates started skyrocketing seems to have been a good choice.
Hopefully you are locked in for long enough that the rates can return to some sort of sane level before you need to renew.