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Although I don't like Aaron, I don't believe he wasn't talking about you personally. I would think that he was referring to the RBA Chairman or some fella who you referred to in your OP.

<5% for <90% LVR >$250k Should be able to get a better rate then 5.9% even at $167,000. But remember rate is only 1 small piece of the pie, don't be fooled. Edit - I'm sure it was 5.9% before, but even 5.45% could be low. But it's not really that bad a rate for the loan amount, need to...