Also, keep in mind that your physical distance to the node, won't necessarily correlate to copper cable distance between the node and your house.
My example is a good one. My home line was connected to FTTN just over a month ago. The node is at the other end of the street, about 400m away. The distance of the copper cable - wait for it - came back as being 931m! It goes around the block, rather than in a straight line down the street. Thanks Telstra.
Saying that, I still get 38/12, and because of this, I only pay for a 50/20 connection.
At work, I have the 100/40 FTTN, with 221m to the node, and 335m copper distance. I routinely get 63/35.
Most likely, Paul, is what others have said. You are the mercy of TPG with iiNet. It is likely that they have the bare minimum CVC in your area.
EDIT: Interesting reading...
https://forums.whirlpool.net.au/foru...t=2413856&p=31