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thanks for that :) now that I think about it, it may be better to go with the bigger institutions (those with offices) if you want to negoitate something, you can go to the office and talk about it. on the phone, you lose negotiating power

i recall advice in the forum: 1. Use LOC for all investment related expenses/incomes 2. Use Offset for all personal income/expenses rough calculation shows that with the bank account, you earn more interest than the mortgage interest you save... (is it correct?) //offset case e.g...

analysing cannex data I'm new to the forums, by the way -hope to contribute a little! from the cannex table... I copied, pasted, then sorted... //Cheapest investment standard variable rates Police CU SA 6.59 Nationwide Capital 6.67 One direct 6.71 Rate Busters 6.77 //Cheapest...