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The best way to beat the banks is to not give them yourt entire life and use them to what YOU want. Shop around, push for rate discounts and ensure you dont have all you banking with one lender especially if in business and/or investing in property. Remember a bank manager first thought always will be how does this effect the bank. Thats what they are employed to do.
Log onto http://www.financingproperty.com.au/ and opt in for the free report and see how people beat the banks. Time that you used them and not them you.

Peter Gwynne
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ps i have cleints that would love this service and will forward on the website details.