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Which bank is this Rolf ?

Aaron are you sure ? I thought each of them had a "portfolio" of clients and had some % fin reward on the size of the portfolio (loans not clients :-) ).

He said he would check for me and let me know and a few days later he said no, had checked, can'tdo. Now thinking about it he probably cbf ! I thought bankers would care because wouldn't they get commission/royalty on the loans they are looking after ? Or is it only the original banker who...

It's from the banker so I took it as it was the bank 's decision ? Sorry what does cbf mean ?

Thanks Aaron, PT-Bear, Rolf. Yes, time to take action indeed.

No not servicing nor LVR issue. I think we have the loan contract saying IO for 5 yeras then after that it will go P&I. At the time signing the contract the banker said "it's just formallity,once it reaches the 5th year we will do you another IO" . But there has been about 3 diff bankers in...

Thanks so much Rolf. As said, rate is not the sticking point but changing IO loan to P&I is a big deal to me and is what makes me seriously looking for another bank if NAB is not negotiable on this. (Thanks for remembering ...)

Thanks Jon. I understand currently ME has a good fixed rate but the var rate is quite high, 6.08 at the moment. I will have more than 1/2 of my loan in var unless they have offset a/c for fixed rate IO loans.

What's your preferred panel Aaron ?

To all the good brokers, How would you rank ANZ, Westpac and BOQ in term of products and service ? A small diff in rate is not as important to me as having good/flexible products. I have recently met a rept of each ofthose 3 banks and have found NAB still has the products thar most suit...