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We all have access to the wholesale cost of funds - you can track the daily movements by visiting this site daily after 10am and save the daily numbers in a spreadsheet or something: http://www.afma.com.au/data/BBSW I've compared this to a month ago and the 5-year rate is now 0.25pc lower!

John Symond expects five year fixed interest rates to dip to 4.75% http://www.propertyobserver.com.au/financing/loans-and-mortgages/38561-john-symond-expects-five-year-fixed-interest-rates-to-dip-to-4-75.html I think this is very possible, considering Westpac's "interest rate whisperer"...