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The teachers union fixed deal at 4.49% is definitely hard to go past. This is actually a very good example of how fixed rates are funded. The money doesn't come from the Reserve Bank, it comes from other sources, including super funds. In Australia there is a massive amount of money sitting...

Stock brokers are in my experience some of the worst people to take lending advice from. Some may be good or bad at what they do, but those I know (including my own brother) have very little clue about money lending. Marcus doesn't appear to understand about the source of money for fixed rates...

It is a nice idea, but I'm fairly certain that RAMS don't have this ability and the CBA definitely doesn't. To get this feature you'll need to refinance to a different lender. Given the LVR is over 80% for some of the properties you'd need to pay LMI again to move. This tends to get...