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Pete U know it does depend on the day of the week ! ta rolf

No hooks per se................any cash out ? it is a lo doc product though, rather than a no doc ta rolf

U mean BWA or NAB ? ta rolf

sshhhhhhhhhhhhhh though shes got 75 pts which is ok

80 % is 80 %, xcoll or no xcoll ? ta rolf

thems good numbers

Hiya WBC used to get a fair slab of our business. The rocket product is and has been on the of the best on the market for a number of reasons. WBC has become a second tier for us, and we use them only where we have to. Nothing to do with rate at all. Their silly credit scoring...

yes...................Im starting to write like bank spin doctors............

Nabs pricing position is temporary but possibly not due to cost of funds. Unlike WBC and to a lesser extent CBA, NAB doengt have a huge chunk of the mortgage market, hence the agressive growth due to cost. Causing a bit of a "rate bubble" in terms of service levels though :( ta rolf

I have alwayas said a mortgage secured loan isnt like buying a fridge :) ta rolf

Hiya BZV of course they tell u that :).........most lenders finally have centralised pricing and credit. Even the much touted WBC local pricing thing, if there isnt 20 % ROI on the deal, the branch's P&L is shot and there goes a chance of any decent negotiation room. Lenders have budgets...

thats because u innately understand that while u know what the financial saving is quantified, the downside risk is pretty much unknown and not quantifiable. To each their own obviously, but to me, making such an assessment and to come out in favour of the financial saving is often a blind...

Hiya I assume in all this that neither valuations, serviceability models, capacity for future equity draws etc come into the equation ? Homeside NAB standard dscounted 5.72 at 75 % LVR or less isnt a bad option, but id be cautious giving them more than one or 2 properties ta rf

Hiya Clack Your broker can help with that. If you are a direct borrower, the individual websites for each lender will list the SVR rate. I find most of the comparison sites out there are slow to update current lender data and are not reliable. ta rolf

Best of luck with CBA and trying to get above 75 pts Not consistently possible at the moment. They pretty much know they dont need to /................... ta rolf

Staff on commission ?????????????????? news to me, I thought staff by definition meant you had some income surety regardless of ur sales performance, with soem bonus as comm. Comm only by definition arent staff ? ta rolf

Thanks Bill makes sense. case by case there are lenders that are buyng business, many times below 20 % ROI which I have been told isnt sustainable. ta rolf

Hiya Bill 5.61 for a loan of 500 k is ok, ceratinly not overly aggressive though, rather a market match ta rolf

Hiya Youd want to be sure its worth your while after the fees and charges( lmi??) AND in many cases, much more importantly your flexibility and CRAA file activity. many items in life usually come as a package...........finance is no different ta rolf