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Thanks for the replies & info. It won't cost me anything to use the service because they are part of my Superannuation provider (and I probably already pay for it somehow through that!). I didn't think trailing comm. could be worth that much - good to know it's not worth necessarily sticking...

Has anyone every used QInvest Morgage Brokers (part of QSuper - probably only known to Queenslanders)? Apparently a free service to members, and they return "at least 50% of the ongoing trailing commission of your loan" to you as extra repayments. This applies to LOC or new/refinanced loans...