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Correct...Very cheap from variable to fixed, however if you were on a package the fee would be waived. On the other hand, the banks have borrowed the initial money at the fixed rate and it costs them a heap to break...well that's what they say, so they pass on the cost to the borrower. My...

Why wait? If you find a suitable property and have the funds then buy. I am sure vendors will be prepared to negotiate and in these tough times cash is king. Obviously set up your lending facility to take advantage of current rates and ensure you have the flexibility to transfer to a...