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swap rates up again over the last few days, no surprise I suppose. WBC are saying they will likley move again REAL soon, and its likley the lenders with bigger margins will follow as well. Id expect higher movements on the 2s and 3s than the 5s, but who knows ta rolf

for brokers, cr legislation coming in back in 2003 was quite a good thing .............lots of fog for consumers CR theory is not sound at all because we try and compare carrots and oranges, same colour , both food, but very different product ta rolf

CUA is a credit union that does and then theres The Rock as well Make sure that your FULL current and future needs are met by lenders like ABL CUA and The Rock. Various smaller lenders may have issues that may get un ur way of future growth. Please note Im not saying these lenders...

BeenDelayed ..........AKA Bendigo Adelaide Bank CUA The Rock BS ( at last check) Im sure there are others ta'rolf

Hi Alia IF yo are going to do something with it, then consider that its likely that the 5 k is now a little more..........and may become more if the variable rate keeps coming down ta rolf

yeah...........but does one REALLY want a loan with an offshore sourced lender right now ?????????/ Its not the first time such lenders have sold off part of their book to second tier lenders, and given the current lender turmoil, is a "rate" worth the lack of SANF ?? ta rolf

Tee hee Dave What is is, a picture is worth a few words :) ta rolf

Hi JIT What a lender has on their site, and what they can settle on is often 2 different things. This is more so with securitised lenders than with balance sheet lenders So often you will find that Joe Bloggs Loans have a rate of x..........but cant settle on that for various reasons...

HIya Dan Nah, no offset ................. ta rolf

Ahhh the foibles of comparison rates . The reason the comp rate has gone down, is because after the fixed rate expires the CRS legislation says you must roll to the current variable. Hence, as variables decrease the comp rate is affected downward on fixed rate products even though the...

Banks dont win or lose on fixed rates usually They are hedged so they can usually only win. ta rolf