Hi team! 3 of our properties are currently finishing up on their 2 year fixed rates. We have been offered 2.99 fixed or variable with RAMS on our investment loans, but they won’t do squat on our PPOR, so looking to refi it across to ANZ. They are offering 2.98 fixed for 3 or 3.09 variable. All three properties are PI and part of a mid term plan to clear 100% of the debt and retain. So... is now the time to fix? The US is on the move upwards, property seems to be rebounding, but retail is on struggle street. Not sure if we will see another rate cut or not. Even if we did, how much lower will lenders put their money out at?