OMG ! just got my ING BDM email, special offer for variable owner occupied rate 3.79%. For those purely low rate chaser, it's a great rate, recommendable good lender and product. Ask your broker today. <Disclaimer> I may bias on ING, as many of my clients are low rate hunter. ING's servicing is tight. May not necessary good for investor. Check with your broker if its suitable for your situation.