Barry - all hinges on your earning power, how much equity you have and now more than ever if you are a good credit risk. Lot of the banks still offer packages to folk with good credentials. If all of it is lean may pay to have an intermediatory doing the leg work but don't accept first offer if you don't have to. Even in this climate I got bank to chop .5% off my variable rate loans.
loan rate advice, page-4
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