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Your offset accounts does not count. It's just the loan balance that matters. I'd suggest you let cba know that are you willing to play hard ball and switch banks. Until then CBA will begin to provide you counter offers. Try see what other banks can do for you. Use that to negotiate. If not...

If your total lending is 1mil and over, you should be able to get 4.35% with ease without touching your LVR.

No no! It's great that you pointed that out. So far I'm focused on staying with a major bank and looking for the best deal I can get in terms of interest rate. In terms of goals, I do intend to have a crack at getting a 3rd IP in 1 or 2 years depending on how the property market is going. So...

Thanks for your comment. Why is it that I should consider my short and long term goals as a factor in deciding to go with NAB or CBA? I was advised to stay with CBA despite the fact that NAB is able to offer a more competitive rate and is able to cover most of my refinancing cost. Would...

Thanks for your comments on my position. In the mean time, I'm living with parents so therefore they're both IP's. Been calling up CBA in the recent weeks, to ask if they could match on some interest rates i've quoted. However, they haven't been following up my request at all until I've...

Current Bank:CBA Current Interest Rate: 4.7% SVR Total Lending is $845,000 with 2 IPs LVR <70% So I just got passed on an offer from my broker. Bank:NAB Interest Rate: 4.32% Proposed total lending: $1,040,000 (Top up of $195,000) LVR @ 80% +1st year package fee waived +$1000...