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thread closed and new one started http://somersoft.com/forums/showthread.php?t=81519 ta rolf

or just the tipping point of things to come ? ta rolf

Id guess sure they are available direct from Ivs post above ta rolf

5.39 3 year : ) ME Bank has dropped the 3 Year fixed rate to 5.39% 5 Year Fixed Rate 5.99% ta rolf

believe the rock canned it ? leaves ABL and maybe CUA ( who arent on my panel) although a little exxy they can work well as a rate hedge where clients havea lot of liquidity in their borrowing and can pull funds from variable to fixed and vica versa ta rolf

I think we can take it as a sign that our Super fund managers etc think we are for a steady as she goes economy, with a definite trend to SLOW. ta rolf

sub 6s for 5..............who would have thought that 2 years ago ta rolf

Send a mortgage discharge to the discharges for all ur places: ) and tell em u are refinancing to wesuck takes about 38 seconds forthem to pickup the phone ta rolf

Nab are really really bad for that . They wont go off their chair until someone else has done a bunch of work and ONLY then will they do what they couldnt do last week............ something to keep in mind for the future ta rolf

if you have your loans 100 % offset, then fixed isnt a good plan :) but I think what you are saying is that you need to keep some flex Not enough data to provide any useful advie, because much depends on future needs and quite a few "fluffy" things. One that is usually a given is that if...

concentration risk : ) Especially if you are looking to tie down more debt maybe you should be looking outside of WBC, unless the 2 mill is 20 % of your loans ta rolf

yes, if nothing changes then no probs, a fixed rate loan cant be topped up, but a new add on equity loan can usually be taken ta rolf

Kaching ! ta rolf

Yes, if you need to move lenders due to 1. Sucky Vals 2. Change in Lender Policy 3. Serviceability issues with exist lender 4. LMI exposure issues with exist lender 5. Security property issues with existing lender ( ie they were ok when you bought the place, but now dont like it) In...

greedy :) ta rolf

unlikley loan will need to be fully drawn, then tick and flick...........unless u are with one of them sad lenders that wants a full loan app for any variation at all t arolf

With wbc they are quite aware fo when someone threatens to move and isn't in a good posn to do so Lvr etc can be a major consideration as to what they will hold onto Ta rolf

honestly, if 20 pts is that important to the outcome of someones portfolio long term, timing of fixed rates and the actual rate would be the least of their problems surely? ta rolf

what about a smart 30 year rate Its time we should get assumable mortgages : ) http://www.bloomberg.com/news/2012-07-26/mortgage-rates-in-u-s-fall-to-record-lows-with-30-year-at-3-49-.html ta rolf

Get your broker to "package" a mortgage discharge and watch the NAB match close to anything, having you save the hassle of jumping through the hoops to another lender. Churning a mortgage loan for rate is often avoidable if RATE is the only issue. Obviously for credit reasons, valautions...