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Hi Jess, you are right that ANZ servicability is tight. I have already pulled 300K out of my PPOR and is sitting in my offset. 2 months ago my ANZ broker told me that we could borrow up to $800K on top of our money in the offset. Effectively $1.1M including stamps and other costs. Not sure now...

I currently have 4.13% variable with ANZ with my PPOR and my 1 IP. Loan size about 1.38M at 80% LVR. Given the recent news with CBA/NAB etc, there is almost no point for me to refinance my home loan to other banks as there is no way the other big 4 can beat the rate I have now? I have just...

4.38% with 1.38M loan with ANZ. I did hear NAB can do as low as 4.28/4.23% ....