Oscar, Thanks for sharing the different stages of this development. As someone who is researching getting in to this it has been fantastic.

I took the bait and locked in 4.99 for 2 years on one of my loans for an IP.
It was more for the certainly of repayments than to try and beat the variable.
Like having a foot in both camps I guess. It also gives me a chance to build more equity in my PPOR.

What objective are you looking to achieve?
Do you want to pay less for the sale of your house or are you looking to give the agents more money.
Personally I think most agents would ensure their bill able hours would offset any reduction in their commission.
And what exactly is their incentive to push through a sale- They would make more money by…[Read more]