[robocat]

Unfortunately there's an information gap. However good your point might be, I reckon I don't understand what you are trying to say. I do appreciate your effort to respond.

Okay, on rereading: one problem is that I have never heard of "buying down" because I think the concept doesn't exist in the New Zealand market. The US market for mortgages is extremely different from most countries. I wrote my comments generic enough to cover both (I hoped).

Buying down is not a neutral option: I presume it is making a bet on the future of interest rates. So I'm not sure your logic follows. If we want to make interest rate bets then there's lots of different worms we can eat.

The information gap remains!