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Never having looked at fixed rates up until now, I am a little naive about how they work. The discounts that apply to variable rate packages for loans in excess of certain amounts, do they also apply to fixed rates as well or is it simply what they state. eg 4.99% for the 3 year WBC rate...

Not if rates are coming down further.....

No didn't realise that. Thanks for the info.

The grass ain't greener let me tell you as WBC customer for 16 years and loans over 7 figs, some of there response times, broken promises, misunderstanding their own rules of late, has been poor to say the least. Their response to me after all that was ....a relationship banker :rolleyes: My...

That provided me with some chuckles. Is that what they call it these days. As for interest rates, I would wait until at least March/April. It is almost guaranteed that variable rates will come down. Now what we don't know is any futher unknown negatives that may come to light that...