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Yeah I would uncross the loans if you are able to...plus get a better rate (assuming you qualify).

Yeah 5.85% is ok for a loan at 90% but not at below 80%

1.5% discount???

Just refinance if you are in a good position to do so. ANZ is a real pain when it comes to amending your loan as it requires a full application even to change from P&I to IO and vice versa.