Hey everyone,

I’m having a weird issue with my Sony Bravia 85-inch TV. After playing a video on Stremio, YouTube only plays in about a quarter of the screen. The rest of the screen is just black.

Before Stremio: YouTube works normally, full screen

After Stremio: YouTube stuck in small corner, can’t resize to full screen

Have to restart the tv eveytime this happens to fix it.

Has anyone experienced this before? Any solutions?

Thanks in advance!

Hi everyone,

I’m choosing between the E42 and the eufyCam 3 S330 for use with HomeBase 3.

I know the E42 has pan and tilt, while the S330 is fixed, but my biggest question is longevity. Which one holds up better over time in terms of reliability, battery/solar performance, connection stability, and general durability?

I’d really appreciate feedback from anyone who has real-world experience with both, especially around durability and long-term reliability rather than just image quality on day one.

Hi r/AusFinance,

Looking to refinance our owner-occupier mortgage and torn between two very different paths. I’ve crunched the basic math, but I want to sense-check the hidden pitfalls of going down the broker/cashback route.

Our Situation:

• Property Value: ~$1,128,000 (Purchased recently in Feb 2026)
• Current Mortgage: $900,000 (with CBA at 6.23%)
• LVR: ~79.8% (Strictly avoiding LMI)
• Offset Balance: $163,000 (Net borrowing amount is $737,000)
• Household Income: $214k combined (PAYG, no other debts)

We are deciding between these two options:

Option 1: Up Bank (Direct)

• Rate: 5.95% variable (No monthly/annual fees)
• Cashback: $0
• Pros: Clean app, instant multi-offset buckets, pricing policy guarantees existing customers get the same rates as new customers.

Option 2: Broker -> People First Bank and Cashbacks

• Rate (Broker said they can give): 6.00% variable (No monthly/annual fees)
• Bank Cashback: $1,000 upfront
• Broker Cashback: $3,000 (Split 50% at Month 13, 50% at Month 25)
• The Catch: To qualify for the broker's higher tier, the net settled loan has to be above $750k. Since my net loan is $737k, the broker suggested moving $13k out of the offset into a HISA for 1.5 months until they get paid, then moving it back. The out-of-pocket interest/tax cost of this maneuver is minimal (~$50).

Purely on a 2-year timeline, the $4,000 total cashback from the broker heavily outweighs the 0.05% interest rate difference, even with the $13k workaround cost.

However, I am highly skeptical of what could go wrong. My main concern is regarding rate creep. Is People First Bank notorious for "loyalty tax" / out-of-cycle rate hikes compared to a digital lender like Up? If they hike my rate in 6 months, am I stuck?

Would love to hear from anyone who has used these staggered broker cashbacks or has experience with People First Bank’s software, service, and rate-holding tendencies compared to Up.

Cheers! Thank You

Hi all,

I'm looking at refinancing my home loan and wanted to check whether Up is still one of the best options, especially for rates with an offset account.

When I did my research about 4 months ago, before buying my house, Up seemed to have the best rates compared with other lenders offering offset.

Unfortunately, they didn't approve my application at the time because of an issue with my employment history. That has now been sorted out, so I'm ready to refinance and wanted to see whether Up is still near the top of the list.

My current loan is around $900k over 30 years, owner-occupier, and I originally bought with a 20% deposit. I'm currently with CommBank on 5.98%, and with the latest increase it will go up to 6.23% soon. From what I can see, Up is currently 5.70%, and that would go to about 5.95%.

So my questions are:

• Is Up still one of the best refinance options for owner-occupiers with an offset account?

• Are there any other lenders currently offering a better rate or overall deal?

Thanks in advance.