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I have one loan fixed at 7% for another 3 years :rolleyes:. So happy i let the gloomers get in my ear about that one but hey its still not a bad rate if you look back a year or two. I have a PPOR loan that will be paid out in 2 years so thinking of locking for 2 years at 4.99%. Not really...

Now i am no whizz at this but the fact that the lower 2 and 3 year rates are below current variable. This implies that the banks believe rates to drop further during this period.This is why some believe the 2 and 3 year rates not to be a good pick as there is a good chance the variable may be...