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Agree with Rolf. Couple of basis point saving here and there used to be available with many internet style lenders however most have found this form of lending is unviable and have pulled this model. Other than the odd fringe lender your Broker can access every lender you can and if you...

Even with CBA reduced serviceability formula that does not sound right. Full information would be needed for a full assessment but certainly seems a little light on.