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We are doing half our loan at 4.09% for three years and half at 4.15% for one year. I agree with you, I think it is a good deal, especially with the 100% offset. I'm nervous at fixing for three years but we have a while until settlement so will see how fixed rates go.

Spludgey, we are planning on the 4.15 fixed for a year as well, but I'm thinking with the cut today it may go lower. Thoughts? TM Bank too.