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Well put, I can't really argue with that. ;) All lenders are out to make a buck, but BankWest have had a consistent long term pattern of deceptive conduct IMO.

Fixing interest rates is a risk mitigation strategy, it shouldn't be seen as a money saving strategy. I don't see that you're mitigating much risk with the 1 year fixed at 4.59%. If you're going to fix, I tend to prefer 3 year fixed rates. At age 64 however, risk mitigation probably isn't...

Auto correct on my phone. I mean to say LVR. :) 5.38% is so terrible it's almost criminal. At a minimum you can do about 0.7% better. Working out interest on a non crossed portfolio is easy. You ring the bank, give them each account number and they tell you how much you paid on each loan...

Crossing makes things simple, right up to the moment it creates a problem. At this point it can become a nightmare. Better to restructure while it's easy then when it becomes a problem. If the portfolio is crossed you need to include your POOR in the LORD calculation. Money in an offset...