The consensus view is that interest rates have peaked in this cycle. Banks are already snipping their fixed rate mortgage rates (which is good) while also reducing the rate they pay on cash deposits (which is not so good). It's time to find out what's going on in the finance market.In today's show, we cover:  The beginning of lower fixed-rate mortgages Beyond the big four - where to hunt for cash rates Why the First Home Super Saver scheme is too much trouble The trouble with SMSF loans  Sally Tindall, head of research at comparison service, RateCity, joins Wealth Editor James Kirby in this episode  See omnystudio.com/listener for privacy information.