It's not sexy, but the idea of interest rates staying low for the next two decades is unbelievable to me.

Of course I and we don't know your full set of circumstances so ultimately you have to make the choice for yourself.

I think though - the reassurance will enable you to sleep at night and keep you on track doing your projects.

Personally I intend to construct my own house - and it is mostly because I want the security, I think it is underrated when the economy is proceeding in a generally positive direction.