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How so? Its not like we have a choice of only one or two banks here. During times of growth there is competition between banks to attract customers and borrowers. Now, it seems as if all the banks are slowly shutting shop. The only reason they would increase rates ahead of the RBA is to...

Yet still feel the need to raise interest rates when the RBA holds theirs the same, not to mention rising LVR's across the board before that has even happened! If the banks were so happy with all this debt, they would be encouraging more of it. Where have the 105%, 100% and 95% loans gone...