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to borrow 800,000 1. NAB 6.74-0.85=5.89, annual fee ($395) first year's waived 2. Westpac 7.01-1.0=6.01, annual fee ($375) first year's waived 3. HSBC 6.84-0.8=6.04, intro 6.84-1.5=5.34 for 12 months, no annual fee Can NAB keep SVR well below big4 average for a long time? thanks!