I only had three one year deals, all recent. Two at 5.8%/5.6% early November are still running. One at 5.8% in Nov paid back 8 days later.
If I can't get 4%+ on repayments I withdraw, and use funds elsewhere. Basically this is just repayments money which is "marking time".
The only reason I usually can monitor platforms is because the computer is online most of the day for other purposes and it only takes a few minutes to keep aware of what is going on via the forum and the platforms themselves.
* only 4.1% today
Thanks for sharing your experience.
As the RS platform as evolving it is needing more and more precious personal time to optimise returns...especially with the 'aggressive' refinancing being undertaken. You are fortunate in being able to do so.