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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 has made our home loan application process as smooth as possible. He responds very quickly and is able to answer all my questions clearly. I highly recommend Patrick’s services and will definitely work with him into the future.