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Rolf is spot on! Why try and go it alone when there is so much available help and in terms of lending that help is free. Heck most specialist areas will give you a first consultation free of charge. I can guarantee you 30 minutes with a broker discussing YOUR goals will be more of a benefit than...

Hey Kimba, From what I am reading it just sounds like your just after a low rate but the brokers on here are trying to ask you what your goal is because that is critical. Why are you even buying property? I assume it's to make money/fund retirement. If so do you plan to buy 2 properties...