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If course, but there is little chance to borrow money without security at 1% as the mortgage interest is and it’s currently trivial to beat. There are literally savings accounts with interest rate over my mortgage interest, meaning there is a zero risk arbitrage opportunity.

Even if you don’t invest it, if you have other credit (car, credit cards) obviously paying those first is always a better choice too.

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> There are literally savings accounts with interest rate over my mortgage interest, meaning there is a zero risk arbitrage opportunity.

Many utilities give an 8-9% interest rate on bonds, with very little risk (Comcast isn't going bankrupt soon). That said, there's no such thing as zero-risk arbitrage.

When the savings are state guaranteed in the savings account, the risk is basically limited by the credit rating of the nation. It’s never zero but for stable economies it’s as low as you get

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