nostr:npub1g0tuf634rz4suczwj7kgnecr6cyt0eu9xmp3sp0fku68mqehq4msp3tvm4 To make a profit you also need to lend at a rate higher than what you have to pay to borrow the money. Mortgages fixed for 5 years are a bet on future interest rates. If those mortgage rates are going down its a prediction that interest rates will fall, by people who are putting their money where their mouths are.