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Thanks for the feedback. Good to know! I like being able to see the difference. It's the nerd in me haha.

I am not going for the product just on fixed IO offset alone. I have compared it to others and I think it is a pretty good product from my analysis even with pricy monthly fees - still out do a lot of others who charge annual fees. But open to other's thoughts. That's why I am here :)

LVR is 80%

I was looking at part fixed part variable with ING originally. My issue is that my situation around how much I could potentially offset over a fixed period on my current income is much different from my future potential. I have unspecified trust distributions that will be coming into play as of...

This is my first property. In all honesty I probably won't be in a position to buy again for another 3 years minimum. It isn't all about price. But I do want flexibility to turn this house into an investment in a year or so. I am basically looking to live in it for 12 months minimum to get the...

So my broker just showed me a niche product that has been on the market for a while that has just had a competitive rate drop. Was looking at ING but their serviceability calculators work off 8% interest which dropped my borrowing capacity 30k below any other bank I have looked into and falls...