The interest rate the bank charges is determined by a number of factors.  The interest rate will reflect the risk the bank
perceives with the transaction.  The amount of the loan, your personal financial record, your income and repayment, and
perhaps mist importantly, the deposit you have available, will determine the rate engaged.  Given the competitive nature of
the home loan market, significant differences in rate are unusual. While the rate of interest is an important consideration,
one cannot lose sight of other considerations when deciding on where to place your home loan business.  The savings
possible through, using an access facility could easily outweigh a small rate premium.