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I think spyker is an eff-ing retard and should be banned indefinately.
Rates will definately rise after Q2-2010. A bubble will inflate slowly if the rate is kept at rock bottom for too long.
Personally, I went with a 5Yr-Fixed with ING direct with the 15/15 option (increase my payments by 15% , and/or make a lump sum payment of up to 15% every year). During my % search (I had a mortgage broker work for me as well), the best rate provided to me was with ING.
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2011 VW Tiguan Highline 4Motion (Canada)
2013 Lexus IS350 F-Sport (Melbourne)
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