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You may be able to get an even better rate if you increase your borrowings asryan. 4.70% is pretty good, but it doesn't mean it BoM wont go lower. I don't write much business with them, so I cant comment specifically - but the lending environment is very competitive at the moment. :)...

Do a quick search of PT's posts - long time contributor and finance guru. Never met him, but have learnt lots from his posts. Not sure about this, but Kesse is also Melbourne based I think. :) Redom