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And perhaps make them try a different market? Think one of the (many) unintended consequences is that it's not going to help stop the continued migration flow out of NZ which the NZ National Govt. has been keen to see reversed. Considering, also, how the NZD's been performing lately against the...

Let's see who goes first

yep 24 hrs I can live with, had some come back sooner which is a plus. I guess it depends on how well you complete the form too ...

True - the same pricing guidelines are supposed to apply regardless of the distribution channel and I'm pretty sure they have the one pricing team in Sydney that handles all requests nationally.

Work out what your costs will be to refinance from your current lender and see how long before you'll recoup them. Also see how the 2 loans and the lenders themselves compare in terms what they offer. Some smaller lenders don't have the same range of product features or other banking services...

Mostly covered off already. Normally I would view a 5 year fixed rate as a “set and forget”. Have the certainty of repayments at a level you're ok with. There might be some exceptions but it's not really that you're going to be wanting touch your loan much. This doesn't really sound like you...

Additionally, you might consider whether this option would likely mean there's going to be another hit on your credit report ...

The specifics of your situation will also determine whether a bank might be likely to need a full valuation or will rest on a kerbside val. Which one might also be a factor in the valuation figure.

So Terry .... you want fries with that? Actually, Zinger is affiliated with the Binvested group of companies ...

Nope but glad it made you ask :)

I agree with the other replies. There's nothing wrong with doing your own research and using what you've learned to have an informed discussion with your broker. They may support and agree with your own research and be able to facilitate putting things in place for you or they may alert you...