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Thanks Colin and Shahin.

Hi Colin, may I ask how recent this change is, because son is with NAB and right now is still forced to either refinancing with NAB to go back to IO (I think he is, like me, sick of this process and is looking at another bank). Not friendly particularly for someone who works overseas. He...

I have been with NAB for years, and for this exact reason (having to bother with re-IO) every 5 years. I am looking at moving to another lending institution with an easier process than NAB. It would be great also if I could find one allowing having offset accounts against fixed rate loans...