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I think you got some good points there Michael. But it is food for thought. I used comm bank bills for 2 of my residential properties pre-GFC at 1% margin. Now still paying 5% p.a :) But my loans were quite substantial so I got the best margin. These days it's hard to get a good margin over...

It's important to keep in mind now what's going to happen when rates actually start going up. Will the banks pass on the rate rises in full or will they add more onto it? It might be time to start seriously considering getting some commercial bank bill funding for residential securities. If you...

I love the little spiel about decreased credit growth and competition etc.