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These rate threads have been blowing my mind, do I fix or wait... After much deliberating I decided to fix 60% this morning, so to Rolf for the heads up on CBA rises tomorrow and everyone else who has contributed you get a big one of these :D Cheers

Is there a general rule of thumb for how much to fix? ie fix 75% and leave 25% variable with an offset? Would the majority do this or just fix the lot? Also this is probably a really silly question, but what happens if the offset account balance is greater than the loan? Effectively no...