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thanks for the info. the NAB portfolio facility interest rate is 5.86% though they charge a $550 pa managment fee.

well I've got approx $930k in debt in two existing mortgages over two properties that is 100% offset with cash at present. (zero loan balance). As I've moved town and jobs I now want to buy a new house to live in. I was going to pull out the 930k cash in these loans plus a bit more I've saved up...

Hi I'm considering refinancing with NAB portfolio facility, has anyone negotiated to waiver the $550 annual fee or negotiated a bigger discount off the standard variable rate? thanks daniel.