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Rate isn't the only consideration. I'd like to keep the principal untouched to maximise tax benefits if we decide to keep the property as an IP later. Basically looking for the best rate possible, while keeping the loan IO with a 100% offset account.

The LVR at the time of purchase was 80%. We haven't paid anything off the loan since then. Have an interest only loan and have put all our money in a 100% offset account.

Hi all, I've got a $338k loan with NAB at 5.00% interest rate. After finding out that friends, also with NAB, with a similar size loan and LVR are getting 4.84% pa, I decided to call NAB and discuss a rate cut. I explained that I could get 4.84% at Maquarrie Bank, and even less at a...