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On deferred establishment fees :) I have just helped a client refinance a 3.5 year old CBA loan One of the split was 8500. The def was 700 8.23 %...........nice money if you can get it. Would be ok if its was a stand alone facility, but not when mixed in with others AT least...

In general, they arent woth it for most folks because the lock ins against higher ongoings is significant. There are a couple of products that go close to being useful From time to time there are lender specials which get around this issue ta rolf