are you sure you want to keep running with this? I'd quit while i was behind if i was you..
Bank mortgage rates are much higher than RBA's cash rate.
here scroll down and check the graph , this ended in 2009 before the emergency rates were applied
http://www.loansense.com.au/historical-rates.html
which ever way you slice it, everyone can see rates are at historic lows, not sure why you want to put spin on it that its not?
