I have a mortgage that is fixed interest and not backed by the government in anyway... So I think you might be wrong on how the risk is calculated.
I can't see how any new risk is added in a fixed rate. In fact I can't see how a non fixed rate would really be good for anybody, and would keep the risk fluctuating for all parties involved.
I can't see how any new risk is added in a fixed rate. In fact I can't see how a non fixed rate would really be good for anybody, and would keep the risk fluctuating for all parties involved.