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You're right - things are changing almost daily, so making decisions right now might be unwise given that policy that is awesome today might not be tomorrow. B/c you're not at the edge of your borrowing power, you have the luxury of time :) Banks that are still generous for the time being are...

It depends on a lot more than just the rate - what are your plans moving forward? What's your serviceability like? ANZ's servicing is tight so if you want to access equity down the track you'll want to be sure they'll allow you to access it. What's going to happen when you want to access...

Just under where they list 'security' in your loan docs, make sure there's only one property. They shouldn't do it, however for some it's just second nature so it always pays to check. Mistakes get made, and they tend not to be in your favour. ;)

Yes you can. Thing is, if you walk into a bank and say "It's your lucky day - I'm bringing all my loans over to you!", they will process them all at the same time and depending on who you deal with, they may very well lump them all in together and x-coll because - a) It's how they've been...

In regard to lenders when things come unstuck, they can do all sort of crazy things - rates can go nuts, loan books get sold (and rates go even nutzer) and it can be very expensive to unwind your positions and refinance. Best to spread your risk between a few lenders if possible. Re X-coll...

If this is purely a rate based decision, I'd have a rethink. You could be exposing yourself to more specific lender risk than necessary - just look at Macq performance during the GFC - do you really want your whole portfolio potentially exposed to that? (This is not a dig a Maqc...

Yes, Bankwest are no-one's favourites around these forums. I refi more BW loans than anything else - funnily, they seem to be very popular with transactional brokers though.

Yep, with CBA I put in a dummy application number but with the correct applicant name, loan amount, etc. I actually just include that with the loan app, I haven't had to do a second 'real' one. (Yet- I'm sure the day will come.) Edit - day came. :)

I tend to get the pricing approval for the whole deal beforehand and submit it with the application. That way, if the offer comes back too pathetic you can escalate it without having the application already lodged.

Burned by the dragon ;) Have you negotiated recently or is that just a legacy rate? Might be worth having a chat with them if you haven't recently, they might surprise you. Definitely speak to your broker about what else is out there too - if St G think they might lose you they may be willing...

Gosh, he mustn't get out much! I got 4.4% from CBA for a client a week or so ago, with about $850k @ 80%. There was new money involved though, that always helps.

A the moment, with your loan size you can likely do better than the 3 yr special. As Pete mentioned, it's not generally cheaper over time. It depends on your circumstances, but to get started I'd tend to go for 88% as it allows to to buy more, more quickly, while still being able to access...

Depends - is that their 3 year rate cutter? If it is it's just their carded rate. If not, it's pretty good.