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In my opinion when you see 5 year fixed rates go below the variable, that is pretty much the bottom. Time will tell but I reckon that is the bell ringing.....

Same thing happened to me in 03, the 5 year fixed was about 0.25% lower than the variable, I was waiting to fix. Then overnight they went up about 1% and I missed the boat. Lesson learned for me I just fixed 75% at the lowest 5 year rate I could get.

What drugs you on cause I want some!!!!!!!!!!!