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You might know the answer to this. For 3 year fixed: ME bank's 3.99% has a comparable rate (on 150k) of 4.84%. loan.com.au's 4.29% has a comparable rate of the same ie 4.29%. So is the latter a better deal if obtained with same features?

Is that 3.96% broker-free comparable to 3.99% through broker? If so, the savings per annum on a $1m loan is $300. Is it worth it?