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Any CG potential or drivers ?

around $2,000 or less....it will be added to the loan + you can claim it over 5 years.

Looks like the CBA standard variable rate with no discount... Rate is the last thing to look at but at $130,000 loan you might want to look at the smaller lenders and credit unions - rate of sub 4.50-4.80 ( which will help you with your cash flow) + it will have an offset account as well...