It changes daily. I have gotten good rates from www.mlcc.com, the real estate finance arm of Merrill Lynch.
Thank you Godged, and in additon to that.. What kind of home is it? Is it investment property? A second home? A primary residence? Are you taking cash out with your refinance? or are you just going to refi the existing mortgage/s? Can you provide full documentation of your assets and income? OR do you need to "state" either one of these? What is your credit score? How much equity do you have in your house?? ...There are SO SO SO many variables in pricing a refinance transaction.. These are the major variables in order for someone to be able to truly quote you a rate...
How about other aspects beside rate?
Are there pre-payment penalties?
Closing costs?
What happens if you are a week late on your payment?
There are so many other factors to consider, do not get tunnel vision and overlook other important aspects.
Try an interest rate comparison site like Infochoice. For their fixed rates go to http://www.infochoice.com.au/banking/homeloans/compare/tables/fixed/oo/NSW.asp and fiddle with your details. Other alternatives are cannex.com.au and artog.com.au.
However you might find a variable interest rate will save you more in the longrun -- because a fixed interest rate usually has 1-2 future increases factored in.
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