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@puerazaelis Thanks for the detail. I guess I'd still say comparisons are "ok" for the average schlub who doesn't know about getting those kind of arrangements and who probably won't be refinancing willy-nilly. But it's a good thing for us "financially savvy" crowd to be aware of, thanks.

@puerazaelis What's making CBA look so much worse? How does UBank get a comparison rate lower than the bare interest rate? Like, I get your initial contrived examples. But normally most of the lenders are kind of in the ball park - they tend to have set up and/or termination fees around $500...

@alexonbekend Plenty of places around that price. Here's one I found on a quick search: https://www.domain.com.au/7-336-livingstone-road-marrickville-nsw-2204-15051949

@kjeldsen13 Yeah but, say OP's limit was 500k, and the competing bidder's last bid was 490k... OP probably wasn't going to bid 600k in that position, so I'd also like to know how the agent saved money. The scenario that comes to mind is the agent represented OP at two different auctions, losing...