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Exactly time is money, especially with a few "distressed" bargains that will come online. This is at a time when rents are going up and rental stock is low. So good buying, with good returns would better than chasing .2 off your rate. Certainly went you have the likes of Westpac raising rates by...

Rolf is correct, without the big picture its hard to answer. Also most of my clients don't care which lender. They just want the money and fast. This is because they are using offset accounts, or paying off extra etc. So rate isn't as important as structure. They say things ok I want 5...