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Are you sure about that? Discussions I've had with them indicate that's not the case. Unless I misunderstood when I fixed recently.

I think you might find that the advertised rate is 5.89% for 3 year fixed. So, with the package discount of 0.2%, it will come to 5.69%.

I agree. Trying to maxinise cash flow based on your individual circumstances is a winning strategy. Trying to play the rate game with the banks in an effort to beat them is not.