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thanks skater im hoping to get another property and then fix them then but wait and see i keep changing things around and atm fixed rates wouldnt benefit me too much with saving interest but i need the flexibility atm

any news when/if westpac will change/lower there fixed rate

so is it too late to fix? how long would it take to fix 50% of a loan with westpac

i agree will take a few more rate drops to match the fixed rate and i dont plan on moving loans in the next 3 years will probably fix 50% or so percent of one of my oans and let the offset start building up against the variable part and hopefully purchase my first IP soon and re evaluate the...

cant you fix a percentage of your loan with an offset? and that the variable part is the only part thats gets offset with the money in the offset eg loan 100K offset 50K fix 30K variable 70K offset against variable 50K - 30K = 20K fixed 30K

being crossed shouldnt matter as there separate loans as that only relates to the security used

would it be better to lock 1 in and then see if you can lock the next one - PPOR (which is ip#2) at a lower rate that may get it closer to neutral?

alex if the fixed rate is going 2 help you out massively id say do it if its not going to bother you now then maybe wait

if you can fix it for positive cashflow then its not too long a sub 6 and id fix for 5 yrs

ME BANK http://www.membersequitybank.com.au/rates_and_fees/home_loans.html Standard Home Loan Interest Rates Fixed 1yr 6.49% p.a. Fixed 3yrs 6.35% p.a. Fixed 5yrs 6.99% p.a. Ultimate Offset Account Interest Rates Fixed 1yr 6.49% p.a Fixed 3yrs 6.35% p.a. Fixed 5yrs 6.99% p.a. what i...