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great result :-)

Yes, you need to complete the switch form.

you could break your current fixed rate, give them a call and get a quote on how much it would cost. it might not be that much!

a few places are at 4.84 for 2 and 3 years

ANZ increased their 3 year fixed rate by .20% so now 5.19% (comp 5.98%) under breakfree. Other lenders start at 4.84% and go up from there.

maybe go onto their facebook page to see what their existing customers are saying? as Aaron mentioned they stopped dealing with the broker market a long time ago.

It is effective as of today the 14/06/13. That is a very impressive rate!

great memory Rolf :-)

They did reduce them recently but they might respond to the recent movements by other lenders in the last couple of weeks. Currently 5 year fixed is citibank at 5.35 (comp 5.66 and free rate lock) and ING at 5.39 (comp 5.47) are the better options.

CBA reduced their 3 year fixed rate down to 5.09% (comp 5.86) this morning.

ING have just reduced their 3 year fixed rate to 4.94% (Comp. 5.36%)

NAB is still sitting at 5.29 (comp 5.84) under choice package for their 3 year fixed rate. There must be some pressure to start reducing soon.

if you really want to stay with CBA then keep trying them weekly. if you dont mind moving then st george, suncorp and ANZ are all 4.99 or below. if you move you might also be able to get a bigger discount off any variable rate split.

This week i got 4.98% fixed for 3 years and variable rate discounts of 1.15% for customers from st george.

Hi Brady, give it another week and try again. Anz, Suncorp and St George are all under 5% for 3 year fixed rates.

ANZ dropped their 3 year fixed rate to 4.99 this week and a couple more lenders to follow soon is the word on the street

the swap rates have moved back to where they were around a month ago so maybe a bit more but would have to see how everything goes in the coming weeks and months. 4.89 for 2 years and 4.99 for 3 years is really good value.

with that strategy i would consider fixing the loans. You might want to consider a mixture of 3 and 5 year rates to balance it out. there is some 5 year fixed rates at 5.39% so it would be the same repayment as your variable.

ok with the LMI being paid you made the right decision. No one can pick the bottom of the rate cycle so dont worry about that as their are other benefits to fixed rates.

ME Bank is still 4.99% (comp. rate 5.66%) with free rate lock if you dont mind changing banks. depending on your loan size it could be a good saving.