Everyone’s waiting.Waiting for the next RBA meeting. Waiting for rates to drop. Waiting for a “better time.” And yet, every month that passes, the same story repeats itself, prices keep nudging up, competition creeps back, and the so-called “window of opportunity” quietly shuts a little more.

When you're ready to refinance your mortgage, the last thing you want is to be held up by unnecessary delays from your current bank. Unfortunately, it's a common experience for many borrowers.

Oleg Markov, is in no way a super star of the club or the competition and someone who hasn't played another game this year.