Imagine if you were buying your first house and you decided you wanted to lock into a five year mortgage with your bank. One year later, you breathe a huge sigh of relief as interest rates start to sky rocket. Then out of nowhere your bank says, "we are doing a interest rate review" even though you are technically locked in. Panic starts to settle in, you don't see any other banks doing this review but yours. So you enact a clause that you made with your bank that says you can cancel your [Read more]