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that's my brokers opinion to - regardless, we'll wait until early next year. he also pointed out that westpac and cba are currently fighting for market share, and that westpac is tending to move first to get the upper hand but that cba has deeper pockets, so will be interesting.

rang stg ... they are not dropping their rates in line with westpac as they will operate as an independent bank to continue market competition. however, they won't drop their advertised fixed rates until monday - so assume cba will be similar and westpac were just first cab off the rank...

michael - you're making my brain hurt! anyhow, we are currently with stg but notice that their rates haven't dropped in line with westpac. i wonder if that is going to happen because then we wouldn't need to refinance elsewhere for a better deal. currently loan apps with cba, because...

that was just me - i've been shopping too, and annoying r/est agents - but didn't find anything i wanted ... but i am wanting to fix for 5 years because the interest rate cycles in the recent past (last 25 years) appear to be around the 5 year mark (bottom to bottom) and i don't want to get...