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Don't be too modest - 3 WINS 1 LOSS. Not bad record at all. :)

I understand that AMP allows refund of the fee to rate fix if the refinance is not approved, not CBA. :(

You got it super right 3 years ago. :D Would appreciate a hint where you will park your loans.

My error - just noticed after posting that 5.99% is for 2 years. A bit short time span for me, but for one loan it adds to diversifying interest risk exposure.

5.99% is a good rate at this stage. I think this is for 1 year and/or interest in advance? Below 6% is still available for 3 years fixed interest only and >$1m loan. I think I will fix subject to LVR, etc.

It seems 3 year fixed rate has dropped down just below 6% p.a. with quite good LVR and property types if amount is more than $1.1m. This is the verbal indication from one of the big 4. Anyone has a better offer?