Are any of you guys with BankWest? That is who we are thinking of changing to.. the Rate Tracker Ultra Home Loan.

They have it so that is it .9% lower than the average of the 4 majors - It is currently 4.9% for 3 years, and then after 3 years you change over to a 'normal' rate, but they also don't have an exit fee so you can re-evaluate then and change around.. Our mortgage guy said that average length of the loan was 3.5 years before people change.