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The last time we fixed rates it cost us money, so I suppose that cancels yours out. What the fix did do was give us great SANF knowing that payments wouldn't increase and we would come out the other side OK. Dave

Westpac today Vs last month Drops underlined in red Dave

Wait, I'll do it for you on IO and beer coaster calc's $240k@ 7.45% = $1490/mth @ say 5.49% = $1098/mth Difference = $392/mth extra cashflow add $9150 onto existing loan increases it to... $249150 @ $1139 cashflow difference= $351/mth $9150 div x $351 = 2 and a bit years if...

What do the numbers tell you? Dave

You thought it was smart and safe to fix then, you signed a contract that would have made mention of break fees. $5k, sounds cheap. Have you worked out how long it'll take to recoup those costs and how much extra weekly cashflow you will have once payed? Dave

SNAP http://www.somersoft.com/forums/showthread.php?t=50634 HSBC have sold loans onto First Mac previously, rate was the same at the time, but the service was non existent Dave

Yawn...............

Gotta be quicker than that mate;) http://www.somersoft.com/forums/showpost.php?p=510711&postcount=315 Posted back on the 9th Dave

Aussies Rates are down again 5's infront of all comparison rates Dave

5 year comparison rate in Jan was 6.87% and Feb it is 6.31% - discount Dave

Westpac have made some adjustments down from last time Jan 07 2009 and Feb 09 2009 shown for comparison Seems the comparison rate has dropped but the base rate has remained the same Dave

Well you'll still be getting that if you fix or not, but fixing may well give the opportunity to stash some cash in preparation for the higher rate. Dave

ME have just dropped their fixed rate, but yet to drop Variable, apparently it will be announced today. Screen dump Jan Vs Feb Dave

Aussie have just or recently changed theirs down Screen dump for Jan and Feb Dave

Theres been more than a few people who locked in low last time they were low and came out of the term just in time for them to be low again, so it can be done. Dave

Some of these jokes are a bit "slack" (Boom Boom tish) Dave

6 mths ago I would have been all over 7.09% for 10