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$4,000 Refinance Rebate (Min Loan $250,000 & LVR <= 80%) @ St George

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$4,000 Refinance Rebate (Min Loan $250,000 & LVR <= 80%) @ St George
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Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 08:47 stgeorge.com.au (1582 clicks)
Last edited 30/03/2022 - 15:17 by 2 other users

Hi OzBargainers,

I hope you are all well!

St George have just advised us of a new refinance rebate. Effective today 10 February 2022, St George will be increasing the cashback amount for their Refinance Cashback+ home loan offer from $3,000 to $4,000 and extending the offer for eligible applications received by 31 May 2022 and settled by 31 August 2022.

The $4,000 Refinance Cashback+ per customer home loan offer will be eligible for refinance applications received between 8 December 2021 and 31 May 2022 and settled by 31 August 2022, with a minimum loan amount of $250k and LVR7 less than or equal to 80%. Eligibility criteria, exclusions and fees apply.

Available Rates:

Owner Occupied P&I 1 Year Fix - 2.59% (Comparison Rate 3.60%)
Owner Occupied P&I 2 Year Fix - 2.84% (Comparison Rate 3.59%)
Owner Occupied P&I 3 Year Fix - 3.24% (Comparison Rate 3.66%)
Owner Occupied P&I 4 Year Fix - 3.64% (Comparison Rate 3.79%)
Owner Occupied P&I 5 Year Fix - 3.89% (Comparison Rate 3.92%)

Investment P&I 2 Year Fix - 2.94% (Comparison Rate 4.05%)
Investment P&I 3 Year Fix - 3.44% (Comparison Rate 4.11%)
Investment P&I 4 Year Fix - 3.84% (Comparison Rate 4.22%)
Investment P&I 5 Year Fix - 3.99% (Comparison Rate 4.28%)

Investment IO 2 Year Fix - 2.94% (Comparison Rate 4.28%)
Investment IO 3 Year Fix - 3.59% (Comparison Rate 4.36%)
Investment IO 4 Year Fix - 4.04% (Comparison Rate 4.47%)
Investment IO 5 Year Fix - 4.19% (Comparison Rate 4.53%)

Rebate offer available on Owner Occupier (Principal & Interest repayments) and Residential Investment Loans (Principal & Interest and Interest Only repayments) with either the Advantage Package ($395 Annual Package Fee) and Basic Home Loans.

We are receiving a vast range of rates for Owner Occupied & Investment P&I + IO pricing. If you would like an estimate of rate please get in touch with your loan amount and LVR and we can price this upon your request

Further to St George's offer I can confirm we would be happy to also offer you an additional rebate based off the below metrics: (Rebates calculated net of offset)

$500,000 - $750,000 = $500
$750,000 - $1,000,000 = $1,000

Please feel free to email me at [email protected] or text/call me on 0422 699 383 and I would be happy to answer all finance related questions. We do work with a panel of over 40 lenders and will be able to find a home loan tailored to you.

Kind Regards,
Nicholas O’Sullivan
ACL: 389328
Azura Financial

Financial Home Loan Rebate Refinance

Related Stores

St.George Bank
St.George Bank
Azura Financial
Azura Financial
Third-Party

closed Comments

  • timmyd on 10/02/2022 - 09:04

    Hey Nick, which banks will allow a loan with three tenants in common on the title? Just checked with Athena and they won't allow it. Looking to refinance away from NAB

    • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 09:31
      +1

      Hi Timmyd, all major lenders and the majority of tier 2's will allow up to 4 on title!

      Feel free to give me a call to discuss if you'd like.

      Nick

  • kelasen on 10/02/2022 - 09:07
    +1

    Great Deal. Can vouch for Nick and his team. Very professional and responsive.

    • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 09:32
      +1

      Thanks Kelasen!

    • yjun355 on 10/02/2022 - 09:48
      +5

      How come this was voted down?

      • Aureus on 10/02/2022 - 09:50
        +4

        People are jerks.

      • Big Lenny on 10/02/2022 - 09:59

        cos its kinda like those fake google reviews that friends and family put for their friends businesses

        hard to authenticate

        • Aureus on 10/02/2022 - 10:06
          +11

          Member Since 16/06/2013

          It is useful when people provide positive or negative feedback for a vendor, especially with mortgage brokers as there are some terrible ones.

          • kelasen on 10/02/2022 - 10:44
            +1

            @Aureus: Yeah. Thought it might be helpful for someone but …..

          • Slo20 on 10/02/2022 - 12:06
            +2

            @Aureus: They playing the long game. Joining ozbargain in 2013 just so they could socket puppet 8 years later.

            agree I have had bad experience previously with brokers on here so good to see others feedback.

  • cocomelon on 10/02/2022 - 09:21

    Any better deal for interest only?

    • PepePepeson on 10/02/2022 - 09:24

      ING

      • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 09:45

        Hi CocoMelon,

        Confirming we are currently negotiating from rates as low as 2.19% for Owner Occupied Interest Only lending.

        Nick

  • AnDyStYLe on 10/02/2022 - 09:24

    ** This post will be amended shortly with current variable rates

    Sit's tight, fingers crossed for very competitive Interest Only rates!

    • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 09:54
      +1

      Hi AndyStyle,

      I have submitted a number of pricing requests with STG to advertise however if you'd like sharp IO rates I can confirm we are currently negotiating from variable rates as low as 2.19%

      • AnDyStYLe on 10/02/2022 - 18:04

        Hi Nick,

        I noticed you updated the OP, not with the current rates but this instead…

        We are receiving a vast range of rates for Owner Occupied & Investment P&I + IO pricing. If you would like an estimate of rate please get in touch with your loan amount and LVR and we can price this upon your request

        Shall I email/call you to discuss further please?

        Cheers,

        Andy

        • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 18:15

          Hi Andy,

          If you could please get in touch with the below that would be great. That way I can request relevant pricing!

          Owner Occupied or Investment
          Security Value:
          Loan Amount:
          Postcode:
          P&I or IO:

  • [Deactivated] on 10/02/2022 - 09:25

    What the best fixed rate for owner occupied you guys can get nowadays?

    • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 09:35

      Sharpest rate we are currently negotiating from is a 2 Year Fixed rate at 2.49%.

      Please feel free to get in touch for more information around this

      • baron33 on 10/02/2022 - 09:47

        could you pm me how i can apply for 2 Year Fixed rate at 2.49%

        • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 09:56

          Hi Baron,

          If you could please send me an email in reference to your comment above I'll be able to come back to you with the lender and instructions on how to apply.

          Nick

    • Unseatingcargo1 on 10/02/2022 - 09:51
      +1

      Ubank have 3 years at 2.49%

  • Skramit on 10/02/2022 - 09:30
    +8

    Wow rates seem pretty high for fixed. The market must have changed a lot in 2022

    • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 09:32

      Hi Skramit, it's a crazy world out there!
      Nick

    • jaimex2 on 10/02/2022 - 09:34
      +7

      Banks just being greedy. RBA is still at 0.1% for them.

      • SolitaryMan on 10/02/2022 - 23:16
        +1

        That’s the overnight rate, banks don’t actually source their funding from the RBA (or at anywhere near 0.1%).

        • jaimex2 on 10/02/2022 - 23:24

          Of coarse, but let's not pretend they're not raking it in right now.

      • 1st-Amendment on 11/02/2022 - 08:46
        +2

        Banks just being greedy.

        You should start your own bank and give out loans at much lower rates then. That would show them.

        RBA is still at 0.1% for them.

        That is not how finance works.

        • jaimex2 on 11/02/2022 - 11:01
          -1

          I'm not sure what point you're trying to make.

          • 1st-Amendment on 11/02/2022 - 12:59
            +2

            @jaimex2:

            I'm not sure what point you're trying to make.

            Good to know. Thanks for sharing

    • Bytelover on 10/02/2022 - 09:44
      +3

      For sure! Just refinanced 2 months ago at 1.88% with $3288 cashback

      • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 09:46

        Sounds like an HSBC deal!

        • Skramit on 10/02/2022 - 13:00

          I just refinanced end of 2021 with Westpac for 1.79 fixed. Surprises to see the st George ones so high suddenly

      • bio on 10/02/2022 - 15:12

        That must be variable. These rates are fixed.

        • Bytelover on 10/02/2022 - 15:16

          Fixed for 2 years

      • the4thzodiac on 11/02/2022 - 19:14

        woah. how quickly can one re-re-finance?

        • Bytelover on 11/02/2022 - 19:47

          See similar questions/answers in this thread. Generally not recommended within 1-2 years.

  • mando7 on 10/02/2022 - 09:35

    Hey Nick, do you have a fee for Residential owner occupier lending & Residential investment lending services?
    How much would that be? Thanks.

    • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 09:42

      Hi Mando,

      Confirming we never charge a fee for service!

      The lender pays us a commission for sourcing and processing new to bank business.

      If you have any further questions please don't hesitate to get in touch as I'd be glad to be of assistance.

      Nick

      • mando7 on 10/02/2022 - 10:19

        Great, do you have a list of vendors you work with along with their current interest rates? Just wanting to know if you work with UBank or other small players.
        I am looking at a refinancing PPoR and financing for an IP at the same time.

        I am based in Melbourne, hope you provide service here too.
        Thanks again.

        • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 10:42

          Hi Mando,

          Confirming your location is absolutely fine and well and truly in our service area!

          We also work with a couple of the small players most notable and one of my current favourites 86 400. 86 400 are revolutionised the mortgage space and have digitalised the entire process making life quick and easy for both you and I!

          Please feel free to get in touch with any further queries.

          Nick

  • [Deactivated] on 10/02/2022 - 09:35
    +5

    Be careful with these cashback type deals. Banks use these type of marketing because the facevalue of cashback seems very generous, but they recoup it through higher interest rates. Lower interest rates always trump cashbacks in longer term. Do your due diligence before signing up.

    Athena currently has variable rate of 1.89%pa, and they have automatic rate match, meaning they don't do bait and switch.

    If you want big4 backing, Ubank has 2.09%pa, which I guarantee St George can't match.

    • jalalii on 10/02/2022 - 09:40
      +8

      Not if you keep refinancing;)

      • [Deactivated] on 10/02/2022 - 09:41
        -1

        lol yeah, if that's your game, that's fine i guess

        • jalalii on 10/02/2022 - 09:42
          +3

          It’s a beautiful game

          • mange on 10/02/2022 - 09:45
            +2

            @jalalii: especially if you have a broker to go through all the hassle for you and all you need to do is sign your life away from time to time.

      • wildstone on 10/02/2022 - 12:27
        +3

        How often should you look to refinance once receiving the cashback? Is there a sweet spot time period that would still make your credit file healthy?

        • Bytelover on 10/02/2022 - 15:22
          +1

          If you go for fixed rates I would shop around for better rates as the fixed term ends. Would not recommend doing it within 2 years because your broker might lose commission (claw back) and not be that happy to help you refinance. At the same time obviously look out for good Cashback offers and rates.

          • wildstone on 14/02/2022 - 10:16

            @Bytelover: Cool thanks, so every 2 years then? Is this just if you go for fixed rates? Or same applies to variable?

            • Bytelover on 14/02/2022 - 10:20

              @wildstone: The claw back is for either, but I think some lenders have a claw back for 12 months and others 24. Wouldn't hurt to ask your broker.

              I would only refinance if you are clearly better off with a much better rate and/or Cashback, refinancing takes time and you're also looking at up to $1000 in fees for changing title, mortgage discharging etc

    • hotrod01 on 10/02/2022 - 09:44
      -1

      Loans.com.au 1.85% variable atm. I can see athena put upnthere variable. They were at 1.79% for 60LVR last year. Banks/finance companies are becoming so greedy. No reason to put interest rates up outside of RBA.

      • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 09:49
        +1

        I saw Athena increased their fixed rates recently. Their 2 year fixed rate is now at 3.09% which isn't all that competitive compared to the rest of the market.

      • SolitaryMan on 10/02/2022 - 23:18
        +1

        Wrong, banks don’t get their funding from the RBA, and bond/credit yields have been rising significantly over the past year, their cost of funding is increasing.

    • fredblogs on 10/02/2022 - 10:09
      -1

      Interest rates are no problem if the mortgage is fully offset :)

      • brawndo on 10/02/2022 - 10:12
        +3

        Interest rates are no problem if you don't have a mortgage :)

        • fredblogs on 10/02/2022 - 10:16
          +3

          Well yeah, but then you don't get the $4000

          • brawndo on 10/02/2022 - 11:34
            +3

            @fredblogs: Point is only a small number of people are fortunate enough to have enough cash to offset their entire mortgage, so your original comment is irrelevant and might even be considered a brag.

            And it's not really $4000, because of establishment fees, exit fees, duties, ongoing package fees (and higher interest rates) etc which is what the the original comment was about. i.e you can't take it at face value, which is what you've just done.

      • bio on 10/02/2022 - 15:20

        If your mortgage is fully offset it means that you are only earning 1.89% (or whatever the best rate available is at the moment) for your money. There are better ways to invest your money.

        • fredblogs on 10/02/2022 - 15:23
          +1

          That's post-tax so you have to earn 3.78% to break even. How are you doing it?

          • bio on 10/02/2022 - 15:30

            @fredblogs: I don't, as I don't have enough savings to fully offset my mortgage but you are assuming that everybody is at the top of the tax bracket (and that wasn't 50% but 45% if I remember correctly). Even if you were you could've used negative gearing to reduce that tax if you have that sort of un-invested cash.

            • fredblogs on 10/02/2022 - 16:21
              +2

              @bio: Negative gearing is a good point actually, depends on your risk tolerance..

    • mickmac on 10/02/2022 - 10:37

      Not if you keep refinancing and have the loan balance in the offset. Basically free money.

    • Korban Dallas on 10/02/2022 - 11:04

      Can vouch. St George rates are crap when you come off your intro rate. 1 more year for me and I am out of here. As investment is fixed.

    • drillvoice on 10/02/2022 - 11:07

      It's really a YMMV situation. A cashback of $3k can be more valuable than an interest rate difference of 0.5%, depending on your loan amount. As some mentioned, if you keep refinancing you are fine. I agree that Athena is a good option!

    • baron33 on 10/02/2022 - 12:54
      -1

      can we refinance to st george to get $4000 then refinance again to the low rate lenders

      • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 14:08
        -2

        Hi Baron,

        This can negatively impact your credit score.

        We wouldn't recommend refinancing more than 1 once every 12 months.

        • prax21 on 10/02/2022 - 14:49
          +1

          Is refinancing once a year is okay… without impacting the credit score?
          Just curious to know, as I have just completed 1 year with a bank.

          • peterwilliams83 on 10/02/2022 - 15:19
            +5

            @prax21: Refinance as often as you like. Some banks couldn't care less about your credit score, they'll look at your application on its merits instead. Brokers typically have to pay back their some of their commission to the bank if you refinance before 12 months is up. Which is why brokers don't recommend refinancing unless they get to keep their commission ;)

            • prax21 on 10/02/2022 - 17:37

              @peterwilliams83: Thank You

              • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 18:07
                +5

                @prax21: Hi @peterwilliams83 and @prax21

                There are very few lenders that don't credit score and those few lenders are of similar calibre to Pepper Money who I wouldn't be recommending to anyone unless they had a very poor credit history. (For reference, I had a client recently that ended up getting an automatic decline from one of the Big 4 banks last year after trying to capitalise on one too many cash rebates)

                As Peter said, if you were to hypothetically refinance within the first 12 months we would be 'clawed back' the commission paid by the lender. It's important to note that this commission is how we make a living as you don't pay a cent for our services. If you don't value a brokers service, I'd recommend you attend a bank branch as that way your not affecting an individuals livelihood.

        • El-Rhi on 11/02/2022 - 09:08
          +3

          This can negatively impact your credit score.

          This is not true.

          1 - there a ‘good’ enquires and ‘bad’ enquires. A home loan enquiry is generally considered positive and can improve the credit score

          2 - since CCR came into play, the largest factor on your score is repayment history, not the number of credit enquires

          3 - I have over 10 home loan enquires on my file over the last 2 years, and my score has increased with all credit reporting agencies

          We wouldn't recommend refinancing more than 1 once every 12 months

          This is only because you lose your commission. If you truly had the best interest of a client in mind you would be encouraging them to constantly review options for better deals, even if they refinanced one or two months ago

          • ashtdp on 31/03/2022 - 21:01

            @El-Rhi: If the mortgage broker is not making any money on a client due to clawbacks, then why would they have client’s best interests? It’s not like they’re doing social service…

            P.s : I am not a Mortgage broker or someone who makes income from commissions. Also not related to any mortgage brokers including OP.

        • Scantu on 06/03/2022 - 15:49

          Who gives a sh it about credit score, it's nothing more than a scare tactic (as long as you are a sensible person) to stop people having mobility with their finance

          If you are able to pay it back, the bank won't give two Fs about your magic number.

    • 1st-Amendment on 11/02/2022 - 08:48
      +1

      Be careful with these cashback type deals. Banks use these type of marketing because the facevalue of cashback seems very generous, but they recoup it through higher interest rates. Lower interest rates always trump cashbacks in longer term.

      What if you refinance with an offset that almost matches your loan, so the interest is negligible, so then you get $4k for free?
      Then rinse repeat every 6 months with other lenders and profit!

      • El-Rhi on 11/02/2022 - 09:09

        This is the way to do it, except every 3 months

  • cbs78 on 10/02/2022 - 09:41

    Is the $395 annual package fee per loan?

    • virhlpool on 10/02/2022 - 09:43
      +1

      Generally it's per bundle of loans of the same borrowers I guess and not an individual loan.

    • Store RepNick-AzuraFinancial @ Azura Financial on 10/02/2022 - 10:43
      +2

      Confirming the $395 is not per loan.

      You can have 5 separate mortgages with the same bank and still only pay one annual fee.

      Nick

  • virhlpool on 10/02/2022 - 09:43

    A lot of people are saying that interest rates are going to rise soon. How in the world then the banks can afford to lock in 1, 2 and 3 years fixed interest rate loans at such low/ competitive interest rates? Don't they run a risk of losing money/ opportunity if the interest rates rose beyond that (which looks like the case anyway)?

    • hotrod01 on 10/02/2022 - 09:45
      +8

      Banks never lose money.

      • virhlpool on 10/02/2022 - 09:48

        I know that, for sure. It doesn't answer my question though. The question is 'how' in this case.

        • KaTst3R on 10/02/2022 - 09:57

          Modelling that shows it is unlikely the RBA will raise rates above the current offer within the next couple of years.

          A part of the loans will also be hedged to reduce risk for the portfolio.

          • virhlpool on 10/02/2022 - 10:08
            +1

            @KaTst3R:

            Modelling that shows it is unlikely the RBA will raise rates above the current offer within the next couple of years.

            Hmm.. I thought the recent rate hikes by banks were attributed to increased cost of borrowing in international market and not RBA interest rate increase. It means that interest rates offered by banks don't only depend on the RBA's rate. I am in agreement with you broadly, but it's a topic worth exploring. Maybe some loan broker or an economist can comment with more detailed explanation. :)

            • serpserpserp on 10/02/2022 - 12:18

              @virhlpool: You initial question didn't actually make sense. Given the banks match fixed exposure with borrowings they always have a margin they make and there is no risk on that book. On the variable side there is more margin in the book to account for the risk of interest rate rises and outside an extreme liquidity event, they will be fine on this too. So what if cost of funds keep rising over time? Simple, they just increase the variable rate which they can do at any time.

    • [Deactivated] on 10/02/2022 - 09:52

      Well, it's just all speculation game isn't it. We don't know for sure when and by how much the rate will rise.

      Banks benefit because they essentially lock you in for the duration of the term.

    • ol mate on 10/02/2022 - 10:28
      +4

      In very simple terms, the banks will go borrow from the money markets (via corporate bonds etc) for the same timeframe as the fixed term then add their margin to lock.

      E.g. if the cost of a 3 year bond is 2% p.a., they'll advertise at 3% and pocket a margin of 1%. The rate is locked (on both ends) for the 3 years, and they MAY charge a break fee if you terminate early (to reflect the difference in what they borrowed at vs what they can now borrow/relend at).

      • sickllama on 10/02/2022 - 11:35

        ^^This.

        Its not that banks funding is variable and they're betting on where rates are going to go, for the most part they try and match their funding and lending durations.

    • CrocDundee on 10/02/2022 - 10:55

      That is the difference between Fixed and Variable. I thought this might have been common knowledge? If you borrow money from the bank at a fixed rate, the bank also locks in the amount you are borrowing at a fixed rate from its lender. Variable rate goes up or down based on the RBA moving rates so as one person mentioned above - the banks NEVER lose money!

      Best way to probably explain it is if you read this link :)

      • virhlpool on 10/02/2022 - 11:05

        How will increasing interest rate ever impact (cool down) the housing market then if the borrowers will always have an option to go for a fixed rate for a specific period which is apparently nearly unaffected at this point? If a majority of borrowers have locked in a low interest rate, then rising rates won't have much impact on housing prices and won't serve the purpose for RBA etc at least from the housing market perspective. Isn't it?

        • CrocDundee on 10/02/2022 - 11:14
          +2

          Supply and Demand imo. Raising interests rates is a way they try to 'cool' it down, but if the supply doesn't match the demand, it won't be cooling anytime soon. It is when they raise 1-2% over a short period of time that will really affect the market. Means more people can't borrow, so less people buying houses.

          We forget that interest rates pre-covid were way above current levels and you go back 5yrs ago and rates were 5%! People are strange.. "Oh no - interest rates have gone up .5%, from 3% to 3.5%"… If you can't factor in potential rate rises over a 3-5yr period then you really shouldn't be borrowing. very small percentage of people actually manage their money well. I guess that's why in these markets, the rich get richer and the poor get poorer…

          I also get that in the last 12months, prices for houses have increased a lot, so to actually get into the housing market is really tough and if you have only got in recently, multiple rate rises could be really hard to handle. Which is what the government is hoping cools the housing market ..

          I kinda rambled on, sorry! Hope that all made sense - lol

          • lgacb08 on 10/02/2022 - 14:28

            @CrocDundee: No, rate wasn't 5% 5 years ago, only just below 4 of sort. Unless you were investor.

            • CrocDundee on 10/02/2022 - 14:34

              @lgacb08: Yeah you're right - about 4% for Owner Occupier and 5% for Investor. My point was that we are still way under even with 2 or 3 rate rises. The flip side is that house prices have increased a lot since then as well so if you've bought in the last 12months then several rate rises could be hard to take.

        • serpserpserp on 10/02/2022 - 12:23
          +2

          A lot of people don't understand that it isn't interest rate rises in isolation that cause a decline in house prices. So many other factors are in play before interest rates get to that point.

        • 1st-Amendment on 11/02/2022 - 09:15

          How will increasing interest rate ever impact (cool down) the housing market then if the borrowers will always have an option to go for a fixed rate for a specific period which is apparently nearly unaffected at this point?

          Well it is only unaffected for existing fixed rate borrowers. An increasing rate will affect all new borrowers immediately, this causes a demand hit as new buyers now have less money to play with. Less demand drives lower prices

  • [Deactivated] on 10/02/2022 - 09:44

    @Nick, sent you DM, please check.

  • chicguy on 10/02/2022 - 09:50
    +3

    Note: Excludes refinances from within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS).

  • Muzeeb on 10/02/2022 - 10:01

    Hi Nick

    I get you are being friendly and self promoting but when you reply to a thread there is no need to acknowledge the op and then sign off every friggin' time.

    All my love
    MS Paint

    • Wildesy on 10/02/2022 - 14:33

      Hi MS Paint,

      Thanks for the helpful tips.

      Nick

  • Niko123456 on 10/02/2022 - 10:02

    I did this last time (but went direct to the Bank). Pretty easy because my serviceability was very capable.

    I'm thinking about switching again (for the free money) and possibly bringing an offset into my product set.. But, will a bank look at me funny for refinancing after only 12 months?

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