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Thanks for the info Jess. I have confirmation from MACQ that I will not be cross-collateralized. And as far as the risk of interest rates etc going nuts in another GFC, I have to play that against the financial reward of consolidating my loans. JB

Existing loans went from 4.54% to 4.29% (verbal) so I assumed 0.25% Yes, in an email dated May 11th but with no expiry date on it so they could still back out..... JB

Thanks Jess Not aware of this - can you help me understand how this might impact on me? Not planning to buy any more property currently - investing in shares as diversification policy. Is there anything I can do to avoid this? All the loans will be below 80% LVR. Thanks JB

OK, trying to make a decision, as I want to consolidate my loans. MACQ have 3 of my loans at present. They will offer me 4.15% across the board to move my other 2 loans to them. Cost of change = $1144. CBA have one of my other loans. They will offer me 4.15% across the board to move my...

4.32% can be achieved at NAB at present as they apparently have a policy of being a couple of points below CBA etc. BB

I too have been offered 4.35% by one of the big 4 on $1.4 million for a refinance. Better than the smaller bank(s) I was with. Not moved yet but the LOC on my PPOR is 5.1% (fully deductible) so 4.35% is highly attractive. JB