I'm looking at refinancing existing loans and have narrowed down to these providers based on their features and rates. The one thing I'm struggling to find consistent information on is around 'rate creep' or 'bait and switch' with rates.
Has anyone had experience either of these lenders over a period of time and can speak to whether rates were jacked up after signing or if they've passed on RBA interest rates?
Thanks!
Rates have not been jacked, they passed on all rate cuts very quickly, now at 3.26. I Refinanced Dec 18, variable, redraw, 100 offset with Visa access, NO fees. Highly recommended.