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I tend to have a preference to have a look at the end rate result. Some of these discount from XYS arent overly relevant in many scenarios. If they were my client, I wouldnt bother with chasing pricing with CBA or other lenders. Id prep a discharge for the client to sign...........and...

Hiya Sorta makes you wonder why the bank didnt set i up that way in the first place ? ta rolf

I will leave Aaron to the MISA bit. CBA serviceability is what it is.........it isnt great especially above 80 % lvr. But my primary comment not so much to you directly, because I know ZIP of your circumstances, but to investors with "big goals" generally, servicing due to lender issues...

sshhhhhhhhhhhhhhh you are the favoured child :) The rumour is that 1 in 10 bank errors goes in the favour of the borrower ta rolf

Not much of a pker player then : ) ta rolf

Usually the case with all lenders :) Until the theory converts to reality and in some cases there are some interesting weasel reasons ta rolf

that was then this is now :) was a limited special to April 30 ta rolf

Hi Euro xcept that Ubank dont want any loans >80 % lvr. They dont want the complications that come with the LMI issues. Means a local human might have to touch the file, and that wont fit the sausage process. ta rolf

The likes Mike Palmer and Gina Reinhardt dont need to borrow 5 mill :) In either case, it would be like the average OZ person looking to borrow lime 1/1000th of their net worth ta rolf

Until you are an existing client :) then any normalish loan variation like IO var to IO fixed or an IO renewal or an IOA change from IIR requires a full loan app with full vals and financials Once folks know that they sometimes reconsider their position. In addition, ANZ serviceability...

unless the purpose of the offset is to isolate your tax paid funds from current or notional future investment debt ta rolf

but golf doesnt have sets :) ta rolf

In all the savings focus be we should still be aware why we are where we are in regards of lenders at the moment. We get this one ALL the time agglomeration attempts all the time...................sure you may pick up some extra 10or even 20 pts, and the convenience may be enticing too...

Hi Tony As I just replied to Joan, move in need, but do it in a way so you dont end up in the same boat : ) ta'rolf

Hi Joan Sounds like they have you as a captive client : ) I suspect if you move a loan or 2 away from them you might get more of a look. Note that pricing at WBC is NOT just based on volume, the ROI is affected by other things as well. If all fails, and it really bugs you, and its...

Forex based mortgages are cheap but can kill you too unless you have a fair slab of other injectable equity. Most of these puppies have "Margin loan style" stand and deliver clauses if the LVRs go above the lenders comfy LVR level ta rof

You are right. Being a long term client helps credit score, but in terms of anything else, you are with the rest of us plebs :) ta rolf

at the obvious risk of repeating myself....which is what happens when you cut and past There arent any "good" banks, there are only "good" people. When the good people move on, you are stuck with "the bank", and thats possibly right where you are now ? ta rolf

Hi There are a bunch of great guys and girls that post here that are located in melbourne...........though depending on your mindset, a broker doesnt have to be on the same town or country even. Just some with no preference in the order, pls use the search fn to find contact details...

Too many answers needed here Id recommend you sit and have a loooong chat with a broker to see how ..... 1. your service challenges can be overcome right now and forever eliminated 2. your financial future may be made more predictable 3. you can access the equity of your current...