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probably not their pledge is for the larger lenders. Can you move ME ? ta rolf

fixed rates have a different pricing mechanism altoether, more set by the money markets future expectations than current RBA moves ta rolf

part of the rate risk strategy is "rate maturity" Can be partially minimised by staggering maturities, leaving some variable, and if you are game, taking some longer term exposure of 5 to 12 years ta rolf

banks arent battling this out............ your super funds are rushing around trying to secure a market position for their liquid to middle term cash....................guess what they are thinking the cash deposit rates will be over the middle term. You dont have the be a great analyst to...

4.99 for 3 now Now 4.99 for 3 ta rolf

its a commercial and free world........ An according to Mr Swan, vote with your feet...........though many times its not that simple ta rolf

The hedge got em ta rolf

Meanwhile, across the Pacific http://www.usatoday.com/story/money/business/2013/05/09/30-year-fixed-mortgage-rates-weekly-nationwide-average/2146495/ ta rolf

suncorp now at As part of the Home Package Plus, LVR 80% or below#. Fixed Products New interest rate* Comparison rate** Movement 3 Year Fixed Rate 5.05% p.a# 6.43% p.a. -0.14% p.a. Id expect more softening of rates as more of the "quarantined" news of the real state of the economy...

System constraints ................oh sorry, thats not right, responsible lending : ) ...........Seriously !! Its the same fishbowl answer ST George used to give when asked why their old offset doesnt offset IO PPOR loans. ta rolf

hahahha fin advisor jokers ! Send them the mortgage discharge, dont tal about it DO ! PM me and we will set it up for u I bet you get a call within 48 hrs ta rolf

but u can get early 5s with an online lender on variable and mid 5s with a full service lender without the break risk............... a 40 pt spread isnt worth the "unknown"in my view. While in theory, the break costs shouldnt be large, the fact that your lender wont put a ceiling on that...

The formula is DONT ta rolf

only if u let them A refinance discharge request usually works wonders with NAB ta rolf

and ING are lowering theirs : ) ta rolf

not politics per se , just reality as has been shown to date by state numbers. On the FIFO, its not they can be let go, they are being let go, look at the mothballed qld coal projects and major red flag that funders are putting up to anything remotely to do with mining and energy...

hey I lost my tea leaves when shining up the crystal ball for the last seance My GUESS ! is that we will still see another 75 pts come off the cash rate .............if that gets reflected in fixed I have no idea. Why ? The Jobs creation stuff is smoke and mirrors, and when the...

WBC pricing on the 2 yr not a prelude to others doing same ? they need to pay for their 100pt discount campaign for loans > 500,000, and and also the balance of their heavily discounted variable ranges with regards to pricing just a couple of weeks ago it was near impossible to get pricing...

part of the reason this time round is that ME has a "closer" source of funds I expect ta rolf

Thats what Im expecting but then I have been wrong MANY times b4 ta rolf