Hey Yael, i highly highly recommend AMP.They are sooooooooo helpful with my ongoing many questions.
There is a $300 odd dollar application fee, then there are no monthly fees. It is free to pay fortnightly, weekly or monthly, and you can make any additional payments with no extra charge. You can make lump sum contributions or ask them to debit extra out of your bank account each week etc etc.
The extra money that is available in your account (redraw) is FREE to withraw at any time with no minimum to be withrawn.
And you get internet banking so you can see everything online
we have 5.19% with an extra 0.06% discount - so 5.13% With INGDirect. No other fees or charges, free redraw with no minimum or maximum. It is a pretty good package.
Mum of 3 girls - who are you with? that seems to be a very good rate.
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