Eh:  One in 16 borrowers opt for a one-year fixed mortgage. One-year rates are generally suited to financially sound risk-tolerant borrowers, or those needing a short-term mortgage.  

If more than a third of your income goes toward housing expenses and you have minimum savings or equity, a one-year term probably isn't for you.   

For others, a one-year mortgage makes for a fitting variable-rate substitute. And that will probably be the case for a while - at least until the variable discounts of old return.         

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