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.....and this is why I think St George is superior because at 5.35% and no app or upfront fees (other than the standard legal and val fees) its far superior to other lenders. The only reason why you would use another lender would be for a higher LVR. Ivan - not sure why you are...

Depends on so many different things predominately LVR. You can get 5.35%, no upfront fees, $14 monthly fee but you need to cover the valuation fee with a lender like St George but they will do max 65% LVR. You can get a higher LVR but be prepared to pay higher interest rate and fees.