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Tell them its an un advertised rate. NAB offered me 4.8% variable with my current 750k and they will try for 4.7% if they sent it to their Treasury Team. Just tell them to transfer you to Retentions and ask for a payout figure if they cant give you a better rate. Make sure your loan 1)is...

How does one change brokers? Do i just send all my financials to broker 2 , start signing up new loans with broker 2 and the previous trailing commissions stay with the first broker? I have used them for a while so i hope to just slip away without them noticing.

I will query this with them as I like to avoid xcoll if I can.

Perfect. I will ask my broker why we didn't take out an equity loan Thankyou

Yes all variable and no lmi. I don't think the IP can stand on its own without the ppor equity. How do people purchase ips without crossing or cash?

The bank wont budge because my loans are crossed. Is there anyway to avoid X collateralisation and using your own money? eg to buy a 500k IP at 80% LVR means you need 20% equity of 100k. I think this means you have these 3 options: 1) Use another property as security== loans crossed which in...

My friend negotiated 5.08 IO down to 4.83 IO during the middle of a 705k construction loan