Thanx for the great info all.

I have spoken directly with the banks and left feeling a little unsatisfied with thier lack of enthusiams and lack of loan options. I had a great experience with Wizard though so am tempted to try and develop a relationship with my local rep… I like the idea of using a major non-bank lender like Wizard but have no idea if this is a sensible thing to do!. Is it?

On the other hand, I’ve been warned away from brokers before and as I don’t know any good ones (in the Sydney area) I’m hesitant to use one. I’d rather develop an ongoing relationship with a lender but are concerned that it’s a bit hit and miss with the brokers. Am I being naive?