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Bendigo have dropped their fixed rates again. 3 year fixed 8/7/2011: 7.79 8/8/2011: 7.19 22/08/2011: 6.49 28/11/2011: 6.39 16/12/2011: 6.34 One year rate: 6.59 -> 6.29 Two year rate: 6.39 -> 6.24

I'm holding off a bit longer based on my as yet unproven theory that fixed rates bottom out at the point that variable rates go below fixed rates.