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and call them the day after to ensure it's received - and follow up again after that! Outgoing lenders don't give priority to discharging mortgages - the trick is to continue hounding them. Cheers Jamie

Hi Kimba If you're thinking about refinancing above 80% then you'll prob be best sticking with ANZ. The suncorp promo rate doesn't apply to deals above 80% LVR and ANZ are going to be easier to deal with for cashouts above 80% IMO. Did you pay LMI on the ANZ loan previously? I couldn't...

With or without Chuck Norris? Cheers Jamie

Have you picked up many of these clients? Would be pretty cool. Cheers Jamie

The current suncorp promo is really good in terms of rate and no ongoing fees - I've written quite a few of these of late. They're timeframes for assessing deals have blown out due to the promo - but I've been told it's starting to get back on track. Their servicing calc isn't too flash -...

Haha - I've been called many things but never that :-) Best to stick with ANZ in this instance. The fact that you paid LMI means that an equity release above 80% won't incur a whole new LMI fee (just a small adjustment on what you've already paid). If you were to refi to another lender it...

It can be - particularly if you own or plan on owing an owner occupied property in the future. If you're not disciplined with money and will be tempted to blow the would be principal repayments elsewhere then IO might not work too well for you. Focus on structure over rate. In any case...