I agree with the boys. Advantedge have their place but tend not to favour large loans. Once they tried to price a $1.7m loan higher than one below $1.5m. They do have their place though of course for things like cash out and servicing leniency.
Rate in isolation is pretty hard to judge....I just got one approved for 4.60% but it was a substantial loan amount and strong client. More details please.