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Cheers Aaron. That's enlightening. Thanks Rolf :)

Understood about moving lenders. Okay to stick it out with current lender for the next few years. But as per current policies and vals coming fine, do they allow for equity top up and re-draw? Can't control the lender policy.... So why are people fixing with all those risks then? :confused:

Is 5.59% fixed the best people have been able to achieve? What's the possibility to negoitate a better rate with STG? Considering fixing mine....However would it be too late if I waited till Monday to call my lending contact? Been burnt before by fixing two at 7.29% this time last...