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or in Mexican, the Bogus Billy.

gotcha. At least with the refi you wont have the same time constraints this time. You can shop around for the right val as well as the short term employment policy.

fair enough. Did the broker do a good job switching you to adelaide, or did you change brokers as well? Im interested if you have approached, or been approached by the broker who wrote the adelaide bank loan to do the refinance?

How did you end up with Adelaide bank? Im guessing the rate was just as uncompetitive when you signed up?