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you might be right and i remember thinking the same during /slightly after the worst of the GFC, and rates shot up b4 I had a chance to fix. One has to make a decision of are rates 'low enough' plus do I need the certainty? I def need the latter given my namesake but as for the first variable...

And in response... I think I'm gonna fix http://www.smh.com.au/business/cba-cuts-fixedrate-home-loans-20110906-1jvgo.html