After two increases in a row, speculation seems to be (aside from greed of course) that they and APRA are paving the way for further cuts. Seems to me it would be better to wait and see before fixing any more? I locked down all my loans with 3 of the 4 banks that I'm with. I did this many months ago after the first rumblings of trouble in around May. But I have a new loan about to be finalised with NAB in the next few days, so I've missed the boat. It probably makes sense at this point to leave it on variable for now right?