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1. No credit enquiry when you call the bank and ask for a better rate. Only if you submit a new application. 2. Top up's require an application, so yes, there'll be a credit enquiry. 3. Yes - this will be a credit hit. Too many of these are pointless and will hurt your file.

Heya, Whats your overall loan amount? 4.7% isnt too bad, if your up past the $1mill mark, may be able to go down to 4.6x%. Starting of at CBA is a pretty good play - its a decent lender to begin the accumulation journey with. In terms of switching lenders, also comes down to your...