loan rate advice, page-5

Well both places are currently rented out and have held them for 5 and 3 years repectivly. I would be happy to obtain a .5% dicount on variable rate but am reluctant to lock in a fixed term for say next 3 years or even 1 year in this climate( As I like many other believe over the next 12 months more cuts are likely). I believe my previous 3 year fixed term loans come to end in January so it will be interesting to see if there is any further rate cuts by the RBA in the meantime.

I guess its a matter of shopping around to see who will come to my party so to speak so I definately wont be accepting any first offer's without checking out what else is on the table from other lenders.