I'm adopting a buy and hold strategy. Have 2 x loans ($495k & $450k) fixed for 2/3 years @ 4.84%. My new loan due to settle in 5 weeks time is for $388k and I will be taking on this 5 year fixed rate @ 4.89% (have it approved already). GOt this same rate for a $103k loan. Only have a $39k loan...