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Hi Damon, No ongoing fees or annual fees for either loan, no offsets possible also which is a pity. The HomePath loan has a redraw facilty which is nice, however I believe they now have a Deferred Establishment Fee, which they didnt when I took the loan, check out http://www.homepath.com.au/...

Hi Damon, All, Mine is: PPOR 6.45% variable HomePath no Professional Package (PP) I also found them difficult to deal with at setup, but with persitence it was all sorted out. IP1 6.49% 5yr fixed HBSC no PP expires in a few months. Thanks