Yes, I realise that they are owned by NAB!
That is what I mean though, anyone who has a vanilla home-loan with NAB should really have switched to UBank. Well, anyone who has a vanilla home-loan with any of the Big4 at or around the headline rate should switch.
Vanilla loans would make up a decent proportion of the residential mortgage market, and if they all jumped ship for rates ~1% lower than they currently receive, it would make things very interesting.
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