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Loan amount is 1.8m, LVR is ~70 - 75% we think.

All loans are with CBA. Have fixed rates loans that are expiring 17/10/2015 (4.79%) and 12/12/2014 (5.3%). What will these revert to once they're out? Other loans are on variable 4.45%. When can I start calling them to re-negotiate better rates? i.e now? a month before expiry or...