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yes can confirm 1 and 3 year fixed rates are 5.39% with ME bank includes free rate lock and no ongoing fees. $300 setup fee and $200 discharge when you leave. A really great deal :-)

This is interesting cause the cost of funds have gone up in recent weeks that at least one lender has put their 3 year fixed rate up.

Just received the heads up from Citibank that their fixed rates are going up Monday. Their 3 year fixed rate is currently 5.69% with free rate lock so if anyone is in the process of getting a citibank application together it must be in by sunday.

it is impossible to predict whether now is the best time to fix or in 1 months time but the data is starting to stack up and if a fixed product is suitable for you then imho it is time to start looking. Some people believe fixing is about getting the best rate and "beating" the banks but it is...

Average 3 year fixed rates dropped .2% from July to August.

Hi Mike, is this what you are after? It is important to remember that these are the average rates amongst the banks.

I fully agree on this. coincedently St George has just sent an email today offering free rate lock for the next month or so

Here is a graph i compiled from RBA data and it is showing that historically fixed rates are looking cheap at the moment when you can get a 3 year fixed rate for 5.59%.

St george is 5.59 fixed for 3 years under advantage package. plus if you refinance this week they have a $700 refinance rebate plus more :-)

banks funding is extremely complex and they raise funds from a number of different sources, rates and terms of finance. Fixed rates can be funded on a fixed term at a fixed cost hence they are priced differently so the bank adds its margin onto the cost. The funding cost is usually set by the...

please keep us updated to how you go on getting this matched with your current lender cause it can be difficult getting fixed rates matched.

you should get .1% discount for choice package but with st george and suncorp at 5.59 and 5.57% not really much incentive to stay. particularly st george offer $700 refinance rebate till the end of the month.

The 3 year rate is close to historic lows. While true variable rates might come down further you are never going to pick the low and they represent real value at the moment in my opinion.

It came in an email to me yesterday, rates have been updated on our site over night. http://www.cashbackmortgage.com.au/start-home-loan/compare-loans/?initial_rate_period=36&loan_amount=400000&lvr=0&bank_list=&term_calc=5&action2=firs_tab&submit1=Compare+Home+Loans

St george 3 year fixed rate now 5.59% !!! Under their pro pack. These fixed rates are starting to look great value again.

CBA has reduced their 3 year fixed rate to 5.79% under their MAV package

thanks, people fixing 400k would get 1,746 from us plus 700 from St george so total of 2,446!

St George is now 5.79% fixed for 3 years and a $700 refinance rebate.

Citibank is at 6.25% now for up to 3 years and if you are refinancing they will refund $1,000 of the costs as well.