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Thanks tobe, that pretty much hit the nail on the head (there are too many types to make a accurate assumption across all the different products available)...

Thanks Rolf, not looking to take a loan with an intro rate, are you able to confirm my assumptions?

Can someone confirm my understanding of how honeymoon rates work for most FIs? Basically the borrower gets either a very low fixed rate (usually for the first 6-12 months), either that or a percentage under the SVR that is greater than would be offered under the DSVR, so they might get 1.5%...