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Hey there Rixter, When did you fix and for how long and with whom? Yah, yah we're all jealous!! so I'll celebrate your success vicariously ;) Good on ya!

Hi Steve thanx for your comment...Could you give me an example bec that sounds good and it would be helpful to know what to look out for if we fix again. the three costs this time were: standard discharge fee $325, fixed rate break cost $8468 (which will increase as their fixed rates drop...

Hi Boat Boy Big thanks. So, from your calcs, after two years and two months, we'd have evened up the difference of the $9150 break fee, and that would then mean nearly three years of the loan remaining at $351 extra per month to reduce the mortgage further, which is 34 months x $351 = $11...

Hi, Just called Adel Bank and yup, it's now more. All fees included, break cost will now be $9150...about 7 mths worth of interest payments at current rate. Loan will be about $240k if we refinance. I wonder what the current winners are for low fixed 5yr loans? How do we calculate what works...

...or focusing on the portion of the glass that is full and could be fuller if we can move to a lower fixed rate .... a nearly-full glass is even better than a half-full glass after all.;) we are definitely enjoying predictability of payment, and if that payment was less per month, we'd enjoy...

Want out of 5y fixed IO loan at 7.45 - where to go? Have been following this thread with alot of interest, because we are paying just that on our mortgage...pardon the bad pun. Our PPOR m'g is 5 year fixed, interest only, 100 per cent offset, 7.45 per cent interest rate, Jul 07, 3.5 years to...