Hi Kokjhoonwong
re: rolling loans over to new lenders
Yes, been there, had that experience, switching from NAB to ANZ last year.
the sting in the tails was – NAB hit us with the 'penalty interest rate" because the loan went over term (5 years) by about 6 weeks – they just took the cash out of our operating account!! (they can't do that, well they did!! – check your loan docs, ours was a loan over commercial property – and a penalty interest rate clause is always in there).   Each bank blamed each other for delays – and they were both right. After heaps of effort, we clawed some of the penalty interest charge back from the NAB… but no fun.

conclusion: in future, i will anticipate a delay+costs in rolling over a loan – and perhaps stay with a/the slightly more expensiive exisiting lender.
Silversurfer
waxhead rule #2 –  think about falling, and you will.