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I think it would pay to look at what the pros and cons of this are............ The concentration risk looks to be just ok, but youd want a lot more from a move like this other than rate, fees and convenience. If going down such a track, make sure that the lender fits your future...

Quite a few lenders are a NO go with Duals and grannies at >80 % lvr Appropriate choice of lender is geared more to do with getting a decent upfront val and making sure its the most appropriate lender at the timeline of your investing career. No point soaking up NAB LMI exposure when CBA...