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I had a squiz at the UBank rate before posting (figured it'd probably be the only one that might be better). It's 4.41% for the same scenario. Unless I misunderstood, you need a home loan, or $10k balance and to deposit $2,000+ a month to get the extra 0.36%.

Move that to a RAMS high interest saver account now*. If you add $200+ a month and don't withdraw you'll earn 4.51%. At least earn the best rate you can while you work out your moves. * Happy for someone to suggest elsewhere if there's a higher rate available.