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Without doing a full analysis, I don't imagine you'll have much trouble with most lenders. At a glance your borrowing power is likely quite high. Discharging your PPOR mortgage will improve borrowing power, but not rate negotiation power. More specific information would be needed before you...

That's good news (structure wise). Go back to the ANZ (or the broker set up those loans). Request top ups on the loans in the appropriate structures which I think you understand. I'm reasonably confident that ANZ would do a discount of about 1.2%, possibly more at the moment; especially if...

Didi you actually try to negotiate with ANZ on rates? I agree that the CBA has a better offset account solution, but there's a good chance that a refinance from one lender to another is unnecessary. Cross collateralising is a serious mistake. If this is what anyone recommends, they need to...

That's nice, personally though I have a different opinion which is cross collateralising will only do you harm in the long term. What justification was given for the broker's conclusion? There's dozens of really good reasons why you shouldn't cross collateralise but I can only thing of a...