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myabe you're paying a 2% premium now - but if you'd fixed 5 months ago then you'd be pocketing a 1% savings (4.99% fixed) now and potentially more over the following 4 years ... all about the timing.

stg is currently 5.94% for 5 years before any propack ... don't know what the conditions are tho. i gather their lending is quite tight at the moment.

where where (eyes darting icon required) :D

cba or westpac. they're going head to head atm. i've been noting down the interest rates of all the majors every tuesday - keeping a close eye and ready to strike. it seems to be one of those two that will blink first.

actually - with propack discount stg is 6.29% ... and 5.99% for three years. but i'm with buzz - i'll be locking when the 5 or 10 yr fixed has a 4 in front of it.

what are the normal rate cycles? ie, from bottom to top then back to bottom? i suspect they are around 5-6 years in length - 2003-08; 1999-03; 1989-94 etc - so 5yrs would probably be the right length of time to fix imo.