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Thanks Nik...! I won't divulge the contents of your PM to me in public but it would help others if they knew how you did it...;) No real secrets really....:) Onyas. ... we did as most here did, struggle with how "can we have a mortgage when we can't save quick enough"...well we became...

Ahhh...I see... YOU are the bank manager...!:eek:

So then what is the secret Niko...? Hubby the bank manager...? :D I have the same with CBA but it's the package fee of $350per annum that enables no 'fees'...are you paying this "fee"...?