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Marg Lomas did one and concluded that in the long term there was bugger-all difference in dollar terms. The big difference is the SANF I suspect. If someone was up to pussie's bow with repayments and worried by much higher rates, then it is a good idea for their (mental) health to fix.

I was planning to wait until around May or so to see what happened. Seems as though the fixed rates are moving back up, rather than down further as we all thought might happen. But who knows how far they will go up? Probably won't bother now if that's the case. In the meantime, there is a...