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Rate is determined by a number of factors and I agree that rate is probably not the most important thing for investors, but it's always important. To make the statement that low rate products are wrong for investors is not true either. That's rubbish. I did a CBA pricing request for a client...

It's not all about rate, but even 5.40% is fairly awful. This is what the CBA's published rate is for their fully featured professional package, but they will negotiate more off this. That said, at this price point, I don't know that the CBA is the ideal lender for this deal. There'd need...

You're asking too much and they're calling bull*****. The only lenders you're getting close to are the online lenders which is not a fair comparison for all sorts of reasons. The lenders do know what pricing the others are doing. Ask for 4.70% and you'll probably get a more reasonable...

The upfront commissions only get clawed back if the loan moves to another lender within the first 2 years. The new broker only gets an upfront commission if the loan moves to a new lender. In many cases, the best option for the borrower is to stay with the existing lender, so the new broker...

If your broker structured things this way, I'd suggest finding a new broker. Cross collateralising is almost a cardinal sin.

Use an equity loan for the deposit and costs secured against property 1. Borrow the remaining funds secured by property 2. Get advice from a broker who specialises in investment properties. You'll get a better deal, better structure and ultimately build a better property portfolio. There's...

With that total lending I'd be expecting at least 1.25% discount. Quite a few lenders have suggested as much as 1.30% for over about $2M but I haven't confirmed this (we rarely see those levels of debt with a single lender).

This question has no real context to base a reasonable reply on. I've got lots of clients with a better deal than this. They're borrowing in excess of $1M at 80% LVR or lower and have a favourable risk profile to the lenders requirements.

Seriously, that's rubbish. You can easily get another 15 points off that with lower fees with several competitors.

I'm finding the CBA to be a pain in the neck with negotiating. They're being very inconsistent with their decisions and not really as generous as many competitors. I agree with Marty, 4.70% should be achieved. I've found you need to start by asking nicely and it usually works. If it...