We have our loan with St george and I am really happy with them. Sadly we fixed our loan for 3years when we got it in June 2008 at 8.9% (DOH!) But at least we always know what we have to pay, to get out of it was a $46K fee so we are staying with the fixed at that rate, knowing our luck when it unfixes in 2011 interest rates will be way up again! Still its better than a loan i had years ago with XH where we fixed at 12% and were really lucky cause rates were so high.