CBA 4.89% for 3 year is NOT a fix rate...it's an variable intro rate.
3 years fixed 4.84%- Me bank
3 years fixed 4.88% - Teachers Mutual Bank
3 years fixed 4.89% - AMP, Heritage ...
^ Im presuming it's CBA...there's a chance they will absorb the break cost if there's only less than 3 month...