- Why didn't we try to refinance 2-3 years ago when interest rates were lower?
"Predicting interest rates is extremely complex and influenced by various economic factors. It’s challenging to foresee changes with certainty, even with the support of financial experts and analysts. Hindsight does give pause for reflection, but in this case, it was not possible to predict higher interest rates and the challenges in the lending market which is at the most difficult in a generation."
No, you imbeciles. You mo.rons waited until June 2022 to start the process when YOY inflation was already heading to 8% in the US and much higher in the UK. The Fed already started hiking rates like their a$$ was on fire, but you sat there thinking "oh no, it's impossible to predict where this is going. oh no. Let's just send out a bogus bonus letter, hee hee"
F.uc.king. clowns.