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This product has all of the above and shaves off 50bp. Cashing out, flexibility to variations, online lender only, likely poor service - are the downsides though. https://www.loans.com.au/home-loans/loans-com-au-value-pack Cheers, Redom

If rate is the prime consideration, and you're not looking to build a portfolio, go to the online cheapies. They'll shave 50bp+ off that rate. If you're looking to purchase future IPs, than best to consider how rate seeking impacts overall finance plan. Cheers, Redom