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Thanks heaps, Rolf. Cheers Ali

Hi all, thinking about fixing for 3 years on one IP loan. Probably is, my mortgage provider is only offering 6.49% for 3 years. Can anyone tell me if you need to pay mortgage stamp duty again if you change lenders, and what other costs are associated with switching to a new lender? The loan...

Apparently not. Sorry:) Also according to the data in the attachment, sourced from the RBA, variable rates did not follow fixed rates down in 2003. Anyone remember what was going on at the time, economically? I sure don't! Cheers, Ali

I was offered 6.59% fixed for one year on a new loan but I am thinking of sticking to their variable offer (6.94%) and fix next year when the Gurus on Somersoft do :).