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i hope you gave him a grass roots analysis of his misguided sense of gratification....;)

and who is said market? i don't see too many independant second and third tier lenders left .... the big4 have bought half of them out, further expanding the oligopoly.

i don't think SVRs will get to 8%, but they're going up nonetheless. i still call ploy by banks to make folk shift into fixed IRs to avoid passing on saving when they come back down again in a few year's time.