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Teachers mutual bank 4.09% for 3 years. Others with no "employment conditions" will range from 4.24- 4.29% for the 3 years - ie ING and Bankwest... There's also Advantage which is under 4.20% but half half fixed/variable.

4.49% 10 month ago IS and WAS an excellent rate so don't be to hard...nobody could have predicted this rate drop with any accuracy:) IP with TBA is ok...not the best but average - Allows I/O - Max cash out is generally $100,000 which is workable... - Limited DUA over 80% LVR - Average...

There are 1 years fixed under 4% ...but I'll quote you the 3 years fixed. 4.09% 3 years fixed with Teachers mutual bank ( You need to be a teacher or working in educational field OR family member is a TMB member/ teacher etc..) ING 4.24%, 3 years - available to all ( Min $50,000 variable...