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1.3% great, but I agree to spread your lending across lenders.

Fair enough, I have only spoken to one bank and with more lending the discount increases. If I pitch to another bank I might be able to get more but this is a good start. It sounds like some commentators are getting good deals with less lending however. LVR 80% or lower Lending >$2m...

Is anyone getting better than 1.2% discount i.e. 4.68% standard variable rate, no LMI, or is that the best I can expect?

4.7% is a good rate if they will offer that to you staying with the same provider and without any new lending. I am in negotiations with my lender now and they best they can give me is 4.83% with my existing loans. They will offer me 4.68% if I bring across my other lending and mine total...