Mate I got 0 UAI or what is now called ATAR. Drinking beers in my place right now
Anyways after the rate cuts and putting that money back into the extra payments, it's knocked off $100 in interest per month. I suspect a lot of people will be doing this.
I know they want to throw around cheap money but a lot of people are in debt up to their eyeballs. Thankfully it's just the mortgage for me.