It's hard to believe that during the Covid crisis, nearly half of all mortgages were being 'fixed' - today the level is less than 5 per cent. With economists calling the end of the cutting cycle for the RBA, early movers could gain a serious competitive advantage if they fix their borrowing costs in the months ahead.

Sally Tindall, data insights director at Canstar joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

• Back from the dead: Fixed rates return to centre stage
• Why we may already be looking at the bottom for bank mortgage rates
• 'Split mortgages'- a bet both ways? 
• The outlook for deposit rates