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Thanks Peter. So, what is you suggest me to do?

It's all depends on the cost, especially the break-cost of the fixed-rate. If the cost of staying is more than changing, then I will move on the new bank. The purpose is to buy another IP (without telling them). :D So, does it mean that it's tough to get a top-up with ING? Ok, so what you...

Because I have fixed-rate loan with them. Honestly, I'm happy with them and would like to stay. All I want is to increase the loans / refinance. I'm kinda hoping "a good relationship broker with ING" will help me with this. Hope this makes sense.

Hi, I'm planning to refinance my mortgage with ING Direct, but I need someone/mortgage broker who has a good relationship (or maybe connection) with ING. Could someone help me with this? Thanks in advance.