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Just to extend on what i asked above. Im currently with Commonwealth bank, however i dont think they are the best to be with in regards to loans, are they? So which bank would potentially be a good one to move to with my situation. Looking to buy my first IP ect. Looking to loan 300k or less...

Whats the best rate i could get for <300k loan?

Just wanted to get a better understanding of this. Variable Rate - Goes up and down dependant on RBA rate? Fixed Rate - Is a fixed rate @4.8 / 5% can be anything for a fixed amount of time that doesnt change no matter what the rates are changed by the RBA? Can someone explain to me what offset...