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Well put. if it was rate only there are better, if it's package and flexabilty there's better. It all depends on the individual clients needs.

The insurance isn't an issue. As with all banks they ill try and cross sell you the kitchen sink. It doesn't mean you have to take it. You shouldn't be paying over say 6.46% under the package but I suggest you maybe.

on the surface you figures seem to stack up quite well. Based on their standard discounts at the CBA the rate may not stack up as well. 2 weeks is a long time to be waiting. Could it be they're waiting on a valuation and it's a 3rd party (the valuer) holding the process up?