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AMP is also 4.79% for 3, and 4.69% for 2. Adelaide also has 4.89% for 2, with 100% offset. Hard to beat that.

6 basis points? Wont really change anything

I use them a lot for investors- particularly as the hub product secured by the investors PPOR. order upfront vals. 10 splits. 10 offsets. etc etc... really fast turn around for the past few months. 3-4 days to unconditional in most cases. Their servicing is excellent , their cash out "ask no...

This deal was 200K. I guess I must be an exceptionally lucky or skilled or flukey negotiator :)

I guess I got lucky with the 5.09%. 5.14% sounds like a pretty attractive deal- take it :)

Will rates go lower? Wont they? And if they do go lower, how much lower will they go, and how quickly? You'd really need the RBA to reduce rates by another 50 basis points in order for most lenders to pass on 40 points. And you'd need about a 40 point reduction against today's (discounted)...