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So, gone into a CBA branch - loan specialist not available. Gone across the road to NAB, and this is what they have offered me: 6.77% with the 1st year package fee waived, and cover the existing mortgage exit fee max of $700. I had to keep on asking the same questions to make sure I heard it...

mmmm... I wonder if they will offer the same for refinancing? I am a CBA customer but my loans are not with them. Heading off now to check them out :D