How much money are you putting in? Also, for how long? Many banks can be negotiated with for a slightly better rate, especially if you know the going rates of their competition. Usually if you have say in excess of 100-150,000 to put in, and over a term, it is not hard to get a more competitive rate. For example, try CBA, they for sure will give a better rate with some arm twisting.
Cheers Greg
