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Greg I have third party software that's independent of any aggregator. It's not perfect, but it's better modelling various investor scenarios than anything else I've seen.

$30m on that piece of junk software. It looks pretty, but it's designed to help one off transactions and first home buyers.

It's definitely not as simple as go from least generous to most. If you do that you'll find yourself unable to proceed or with a costly refinance in your future. Costly could mean money, but it could also mean opportunity or strategy. As generalities, NAB and Macquarie are good to leave...