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I see Sparky. The product you are referring to is not a fixed product and 1.5% below variable rate so if rates drop again so does this product. The email from a St George bank to me friend stated "I am confident that St George will lower our Home Loan interest rates by the full 1% today...

Email which a friend of mine received originating from a St George bank manager in Sydney today stated as of tomorrow St. George can offer a rate of 4.39% for the first 12 months. My friend is asking me if this is a good rate. If it was 5%-5.5% for 5 years it would be a whole lot better deal...