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To be fair, I'll probably still continue to use my mortgage broker. The interest rate is of course important, but having a mortgage broker who is switched on and follows up stuff for me is priceless. There will come a time when I need fast, intelligent finance solutions, and I'd rather keep a...

There we go. It's like Homepath, then. A stripped down version of the big 4 bank products.

I'm not sure if there are any issues with using those smaller non-bank finance providers. Though Wizard is now owned by GE Capital, so it's hardly small. There might be more fees and so on, and early repayment penalties (the Wizard one, at least, does), and forget about offset accounts, etc...

Could be right. A quick look at Cannex shows a couple of <7% even for investment properties (though they tend to be the credit unions). Lowest owner occupier basic variable rate is the 6.21% from Wizard (don't think that's a honeymoon rate, though that's for owner occupiers only and has almost...