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Fair points... I'm going to take a few more days to think about whether to fix up to 60% of my loans now, or fix only 30%. The remainder (40%) is coming off fixed rates in Sept anyway, which I may leave at variable rates if the fixed rate boat has long gone by then...if it isn't then I've...

So it's now Bankwest, NAB and soon to be CBA and ING who have all upped their fixed rates. I think people here are now wondering whether this the real bottom or is it a dummy bottom?! Who knows, oh well...that's the problem with trying to pick bottoms! To me it would seem prudent to fix...

Sure, but 5 years at 6.29% pa isn't too bad a premium for some insurance...for some of your borrowings at least.

There you go keithj, your wish has been granted! NAB must be reading our threads! What to do now?!

Not sure, but I think most people (homeowners and investors) are still cruising and snoozing on variable rates and will possibly miss the very narrow fixed boat all together.

I hope so too...a bit of luck involved in all of this it seems. Possibly...either way it sucks to be with Bankwest. Lucky I have borrowings with 3 different lenders though. I must admit, all this fixed rate movement analysis makes me wonder whether just leaving the lot on the SVR...

Hi Keith, very nice post. When you talk about the first rise, are you waiting for one of the big 4 banks to make a move? What do you think of Bankwest's recent moves: Seems like the first rise to me, but I'd like to see at least one other bank make a similar move before acting on it...