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HSBC fees Establishment fee: 552 Monthly fee: 35$

Hi, See page 2 of attached file to get an idea as to how break costs are calculated. It changes daily, but atleast you would know what to expect if you decide to break the fixed term contract midway Regards, TV

http://www.commbank.com.au/personal/home-loans/fixed-rate/rates-fees.html

Hi, I believe IO fixed option is always higher than P&I fix option. Also interest in advance fix option is always lower than fixed IO and/or fixed P&I. This is based on my exp, but best to check with respective banks.

4.99% fixed for 2 years with Big 3 Variable you can negotiate based on your LVR, you can ask for pricing to be applied. Online lenders like UBank offers good rates but they dont provide all the features like offset, etc Pick and choose, approach your broker or bank