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A$1,178,000 is the purchase price, not the loan amount. The LTV treatment is exactly where the comparison became messy, so I’m going back for written figures using one consistent loan amount. The 109 days is how long it has taken from the initial enquiry to getting this quote, which is another...

Choosing on the headline rate could leave us with an unaffordable payment or expensive exit terms for five years. I want to compare the full offers before committing. The Sydney purchase is around A$1,178,000, and after 109 days in the process we have a quote for 5.73% fixed over five years...