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Spot on....the 3 years fixed rate ( RAW rate is currently 3.25% with most banks on average) ** Quoted the Bankwest 3 years raw rate. Make sells it at 4% and they still make a 0.75% margin..but yes if they sell it to you for 4.29 % they still making "guarantee" 1.04% before expenses + On...

4.59% for 5 years is a bit on the med-high side.... Whos this CBA?? ( Have you asked for a Discount?...you be surprised some do discount fix...) Also 5 years is a LONG time. You need to make sure 1. You dont plan on selling 2. No plans to refinance 3. No plans to take out equity( yes...