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I already toyed with the idea of moving all my loans to CBA, would have cost me approx 7k with LMI, that's about a years worth of savings dropping from 6.19% to 4.99% best off just staying with current lenders at this stage. As I have stated before, offset is useless to me at then moment, I...

Long term hold is my goal, no selling, not at this stage, still acquiring IP's my two properties with Rams are very high with the LVR as the market has moved backwards a little. CBA is about 80% LVR... As for offsets, no point at the moment as I have a LOC with the CBA loan that I need to pay...

Have three loans coming up out of a fixed rate (6.19%). CBA: 300K Rams: 196K Rams: 196K Rams loans will be variable rate of 5.1% CBA loan will be 5.2% Good savings on the change to variable rate, but are thinking of 3yr fixed rates. Staying with the same lenders as LMI will kill any...