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anz have just dropped their 1 and 3 yr rates today both to 5.94 and minus the 0.15 break free discount takes it down to 5.79%

From canster http://www.canstar.com.au/interest-rate-comparison/compare-home-loan-rates.html CUA 3 yr 5.89%

i have had no issues in getting my rates fixed with anz at all.. (but was not changing to a IO loan) when i had my ppor which is now IP i split my loan into 3, one part var, 2 parts fixed at 1 yr and 2 yrs at the time back in 09. when my loans came off fixed rate i just went back into the bank...