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there are other spoonerisms too
ta
rolf
Historically, I dont think they've been even close on a fixed to most lenders.
I agree re. Rate Tracker, not great, but if you're already with Bankwest...over 5 years I think it works out to about a 0.52% pa discount off the SVR, so a bit worse off overall on rate alone compared to your 0.70% pa discounts from the major banks.