Anyone fixing their margin loans?

Wanted to get an idea if people think it's a good time to fix margin loans in, or worth waiting a while longer. Are margin loan rates as closely tied to the RBA as home loan rates are?

I'm with Colonial and they currently have 7.6% 1 year fixed, or 8.6% 2-5 years fixed.

I think you'll find that margin loans are funded a bit differently than home loans, and as such, they aren't as closely tied to the RBA rates as property is. That being said, margin loan rates should still fall as the RBA drops rates, but you most likely won't see them coming down as fast as home loan rates.

You should generally expect to pay around 2% above home loan rates - unless you are borrowing over $1m, in which case it may well only be 1% more. Naturally, YMMV.

LevEq are still on 8.25% variable, 7.6% 1 year fixed (paid yearly in advance), and around 8.7% for 5 years fixed (paid yearly in advance).

I usually fix and pre-pay the next financial years interest in June, for tax purposes, but keep any additional drawdowns through the year on variable rate.

St George fixed rates appear to be a very good deal at the moment...

Variable (In arrears) = 8.10 % p.a.
Fixed 12 months (In advance) = 6.90 % p.a.
Fixed 3 Years (In advance) = 7.29 % p.a.
Fixed 5 Years (In advance) = 7.65 % p.a.

All rates are for loans < $250k. Discounts available for larger loans.

why fix?
It's not that you are getting a bargain.....