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i do admire you rixter and to you yes fixed rates is about risk management but if you dont need to fix to manage your risk (say you have a big buffer) then why not wait it out and see if you can get a better rate aslo would it not be better to try and time the market so you fix when its going...

by the sounds of it your decision to choose to fix it was a good move as it suited your situation, doesnt matter if they get any lower.

i was with ME for a few years dislike there no IO offset with the members package if you didnt need an offset or had other properties with an offset it would be good. call center was good, barely had to wait and most new what there were doing also liked there online layout especially with...