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^^ lower than what and with who? LOL! Don't get me going on the remorse trail now!

update: have been to bank and signed on for 2 x five yr fixed rates. Only time will tell if this was the right choice but for now, it feels the most sensible choice for us! Kudos coming for your spreadsheet WW! Thanks again.

Wow! Thanks WW :D I really appreciate your generosity in the time you gave my question. As I have said, we had pretty much decided to fix at least one if not both of them but I was concerned my motivation was based on my best guesstimate and not enough, on knowledge of how the different...

My head is spinning. I have to decice TODAY whether to go do the paperwork at Bank S.A to fix one or two loans. (we are already with them on variable.The bank manager told me their fixed 5 yr rate is going up tomorrow. We won't get .2% discount applied to our loans if we fix as they are...