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Hmmm. The actual rate prevails. Perhaps its a nil rate in which case the deeming rate prevails. Many of these loans are set at the deeming rate for simplicity. Gregs comments are all good but the likelihood of refinance would be almost zero.

Our firm offers aged care services and financial advice for such cases (not me). Even if you do it correctly you may complete the forms incorrectly and be adversely affected. Your decision to discuss with Centrelink before acting is a good idea. Mums payment to benefit her dad by reducing his...