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See the attached. Note when you open it the data series is backwards (that is most recent date on the left - moving backwards historically to the right). Sorry - I couldn't be arsed playing with it any more. Note that this is the 30day BBSW rate. The BBSY rate is usually the BBSW+.05%...

Regardless of the product I wouldn't use St George again. They used to be great prior to the Wakbank taking them over. Since then they have gone steadily down hill to their current 'bottom of the barrel' status. I still have one loan with them, which I can't wait to exit. Blacky

Rate seems reasonable for a construction loan. Negotiate the establishment fee down, and try and get them to pay for the val as well. Also don't compare Bank Bills to resi product. The interest is paid in advance (don't let them convince you otherwise - its a classic sales technique) As...