variable loan

Members Equity now offering fixed interest rate of 4.69% for 3 years. What do people reckon - a safe bet that variable unlikely to drop below that in the next 3 years?

Hi Guys & Girls, Seem like everyone is pretty down on Margin Lending at the moment, but i have been revolving my one over for the last couple of years (low LVR). Just wanted to find out if anyone is using fixed margin loans as opposed to the variable margin loans. My Commsec loan only...