All I was doing was asking for a source/basis for your specialist's claim just the same as if someone was making a speculation/rumour post regarding a potential hockey transaction. For all I know your specialist drinks Orange Julios.
Having said that and being completely frank, I find it a little strange that a thread is started about interest rates with rates from one individual posted and the idea of discussing better deals out there discouraged. There's mortgage brokers on this forum (e.g. Mike Oxlong) whose thoughts and rates I'd be interested in hearing also.
Sorry, I just don't get it.
