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Everyones credit rationing now though, Rolf. They're just all moving at different speeds, so its frustrating to try and figure out who has an appetite for deals and who doesnt. As we know, 6 months ago Westpac and CBA were still writing 95% PLUS deals... open to allcomers almost. Now they dont...

Just as an example of what I mean about going away from the big banks- right now you can get 6.19% from Loan Markets own "economy" loan with a $199 annual fee , or 6.21% with offset with a $375 annual fee, from several mortgage managers... compare that to what you get from the big banks, who...

Theyre not interested in buying business anymore... they've dominated the market for ages and have all the mortgages they want, for the moment. And most of the deals theyve done for the last 18 months have been high LVR/First Home Buyers, so they will continue to face increases to their funding...

You'll find this pretty difficult if the properties are in individual names. The bottom line is that since the GFC you cant ever know what the "BEST" rate is. There's no such thing. The goalposts move too much. For example- prior to the GFC the major banks Standard Variable Rates used to...