Rates will go up unfortunately. Tax cuts and $300 electricit...

Rates will go up unfortunately. Tax cuts and $300 electricity bill relief in combination with the current inflation trajectory, there’s no way inflation doesn’t stay over 4%.
At least two hikes this year, back to back 0.25. We are 14 months away from cuts. Really tough on those with a mortgage like myself as most of our spending increases have been on essentials like food, fuel, insurance and our mortgage repayments.