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Well if anyone was to foresee them it would be you rolf. Do you see long term low rates or do you think they will begin rising after 2015 being low? (or something else entirely)

Thats a great rate Prop! I guess my thoughts are though that whilst a few key areas of the economy are depressed at present that these are unlikely to remain so for a full 5 yrs. I find it hard to believe that by yrs 3, 4 and 5 we won't see a pick up in our economy, which would then lead to...

4.49 for 5 yrs seems alright. Next 12-24 months you might lose a bit but hard to see things being depressed forever.

Did St George 5 yrs fixed rate just drop recently or have I been asleep? I vaguely remember it being 4.99 for a while and just noticed in the local branch an ad saying 4.49