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No dramas. Keep us posted with how it goes, id be surprised if they don't shave off a fair bit of the rate. Its always good to pick up most recent info on where each lender is at in terms of discounting.

Uncross while you can. Also rate offered is horrible, should be 4.7x at least for that level of borrowing. If they dont do it, refi out.

Yep strange that your broker set it up this way. Definitely qn him/her on it. Cheers, Redom