Thank you for the suggestion Redom, even though it may cost you potential customer. Appreciated.
No dramas Edison - FYI - I don't think moving to NAB would be ideal (albeit, this statement is dependant on your longer term goals though). Beginning with ANZ is a good move.
I'd go to NAB and see if you can get a good rate of them - something around 4.30%. Get it in writing and then try and dangle that to ANZ. ANZ will come close, likely to 4.35% - but I don't think you'll get it down much lower for 1.4m in debt (at least not from my experience).
Good luck!
Cheers,
Redom