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This appears to be a promotional product from HSBC and seems to be a respectable offer from a bank with branch access (as compared to online lenders). The 5.25% variable rate is not an introductory rate, I believe. It has no monthly package fees too and allows for LVR up to 90%. Probably more...

Interesting article in today's The Australian Business. I wonder if they will increase their SVR to more closely align with other Big 4 soon...