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you're right, the call centre operator doesnt care if u get a good rate or not. Having said that they would have seen that you are actually nto getting the equilvalent concession you are entitled too accoridng to your total home lending balance with the bank, thus they said they can reduce it to...

Good stuff. Im glad it went down to the $16.x mark which you wanted in order to break. You may want to split your now variable loan, so you have the best of both worlds. IE majority of it fixed at a decent rate now, and a smaller amoun variable giving you the option to perform a top up if you...

Hope it goes down for u richard!

I noticed today that cba altered their term deposit rate offerings. The rat didnt chbage but they offered the more competitive ratw for 5 months over 4... i noticed that whenever deposiy rates move. Home lending rates follow in a few weeks.i know that in this case the rate hasnt moved but the...

Think of the time involved / potential opportunity. Imagine if the era goes down after 3 montha. Thats already $1800 worse off according to your interest calc. Furthermore what if the longer term fixed rates continue to climb. Recently as the 3/4/5 year fixed rstes increased. It doesnt make them...

Good job mate

+1 THIS Has been the most informative post yet. Cba will not waive the era in full. At the rarest of times they can look at reducing the the era. U do need to show reasons why they should reduce it. Ie your debt position with tbe bank etc. The only way i can see getting a lower era is speaking...