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thanks ... it's good to know upfront & specially welcome if I can learn from the more experienced S'softers :-) Given that this will be my only borrowing with STG (of 400k); there's potential to stick with them for the next one. I'll keep the x-col factor on my radar for then. thanks again

Thanks Steve. Yes I do have an offset with my current lender and will stick to same rather than the dragon's. For the additional $395, my thinking was along the same lines as what you have mentioned. The current plan is to hold onto this one for at least 5 years (it's newly built and hence...

yikes ... 0.9% is a bit harsh. Any other catches / unusually large fees or penalties besides this one?

to avoid getting into a bigger debt with my existing lender. Dont wanna have all my eggs in the same basket I thought about it ... but need the flexibility usually offered by the banks (in this case WBC) around LOC's / future equity

Having just made an offer on what could be IP3, and wanting to stay on variable rates + potentially a new lender (don't wanna go into 7 figures debt with my existing lender), the new St George Advantage offer (http://www.stgeorge.com.au/promos/yourhome/home-loan-variable.html) is looking ok to...