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ANZ is a bit easier to deal with purely on a cash out basis. Other policies may also come into it depending on your circumstances.

There's no straight answer. It depends on your circumstances. For example ANZ tends to rank fairly low for serviceability and using them early can hamstring your investment strategy later. Under certain circumstances they can be really useful however. Their valuation and other policies can...

I'd suggest that the CBA is about in the middle of the field for affordability calculations. At this point the indicators I'm seeing suggest that there could be more rate cuts, especially in fixed rates. I don't think we're at the bottom yet.