We are fixed with St George, it unfixes next year. It has worked out perfectly, as we missed all the rate rises, and it evened out, which has been great while I have been building up a business and having bub number 2 . At the time it actually saved us $50 a week, but once the rates went up it saved us so, so much more.
I have found St George awesome to deal with all along, their service is excellent, I couldn't recommend them enough!! Because we have a home loan with them, we get Gold service, so I have a different number to ring which mean I always get an operator straight away. The one time I did have a complaint regarding fee's on our saving acc, (the manager I spoke to would not help), I actually emailed their complaints department, and within 2 hours I had a call back, and all fee's credited back in my account (it was over $100 worth).
we have a variable home loan with bendigo. we havent started it yet! i was tempted to follow in the footsteps of my friend and fix part of the loan but not all of it, but DH was only really comfy with the variable (he was frightened by the fees to 'unfix' and go back to variable if it was needed).
we fixed for 3 years,
we decided it was better as we could budget and know how much we haev each week to live off.
especially with going to 1 wage soon like you we have budgeted and know how much we need to pay.
also we were paying more each week but wse also missed out on the 9% p.a rates whenit sky rocketed but missed out on the4.7% low lol
all in all its all evened out
we are also looking into putting our mortgage on pregnant pause we are with ING and this is an option i think but only if you are with fixed.. so we can do that for 6 weeks and save some money
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