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Or just ring them and say can you extend for another 3 years at the end of your fixed rate at today's rate of 4.99%.

Which rate have they increased tobe?

I rang St George today to see if they would match the 4.99% for 3 years set by ME. They said they only match with the other 4 big banks, so they offered me 4.99% for 2 years. Think I'll just wait a bit longer though and see what happens.

Thanks for the tip Rolf, might have to do that. Might be pushing it though given that the one I want to fix is at 95% lvr.

Thanks Rolf, that's good to know. Do you know if other banks will match fixed rates?