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Get the broker to reprice your loan now and renegotiate when you purchase. When you go to purchase another property, just say you have X amount with the bank and require Y amount for new purchase then say other bank offering to take existing STG loan to them as well as the new purchase. They...

Just get the broker to do a new pricing discretion online. I would imagine you should at least be able to to get a rate of 4.40% if not 4.35% under the advantage package. The line of credit could be a little more expensive. Also I find STG good as they don't seem to discriminate if you are new...

The broker/lender is talking crap, we submit a lot of deals to BoM/STG and we know their processes. All you need to do is have a loan greater than $250k and ask the assessor to ensure that the loan is coded so they know you are eligible for the rebate which is credited to the offset ~4 weeks...

You would want to go to a lender who doesn't discriminate on LVR >80%. 4.50% under a pro pack would be realistic. CBA price on LVR and loan size.

They are likely to offer you 1.25-1.30%. There is no way the BoM will give you a 1.65% discount. In addition, BoM price according to splits. You will also be eligible for the refinance rebate, potentially 6 of them which could offset some of the costs involved with breaking the loan.