Leigh, when you say government fees, what do you mean by that? As you can see I am still new to all the banking side of things as I only have a savings and credit card accounts at the moment. [] Also, how did you negotiate the no bank fees for any accounts? Was it possible because you have so many accounts with NAB or simply by dancing over their heads until they agreed[?]
I’ve followed up on some of your info /advice and applied for a pre-approval with NAB and their “Choice” package. 6.06% with 100% offset account attached to it and all for 1 annual payment of $375 and no other fees. I’m not sure if there is any other 100% offset packages that can match this kind of value for money. Otherwise I am considering RESI Homeloans (www.resi.com.au) with their standard variable of 5.85% and no fees whatsoever appart from establishment fees.