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Thanks for the feedback Marty. Looking for a basic set and forget at the lowest rate for 3 years, after that I will pay the loan out, so hopefully no problems with that once the 3 years fixed term is up. Lacasa

No plans at this stage. I am also in the final stage of building another property with a different lender so no issues with needing equity for now. Do you have any experiences with Ubank?

I'm in the process of refinancing with UBank - 5.13% fixed for 3yrs. This is the lowest rate I have seen for a 3yr fixed loan. Gut feeling is there could be a slight chance of further cuts to fixed rates, so maybe we could see a 4.99-5.03% fixed rate for 3yrs but for me the difference between...