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Home Loan Variable: 5.94% (5.95%*) • Home Loan Fixed: 5.79% (6.39%*) • Fixed: 5.79% (6.39%*) • Variable: 5.94% (5.95%*) • Investment IO: 6.14% (6.58%*) • Investment PI: 5.99% (6.61%*)

Patrick went above and beyond in getting our loan approval from the bank. What we liked the most was his professionalism, calm amidst uncertainty, and availability. We highly recommend him to anyone. We look forward to continuing to work with Patrick. A big thanks to Krystal as well!