Anyone used Bendigo Bank with any degree of success? My employer is in the process of Refinancing the Business and their PPOR Loans across to BB. As an employee of an employer with more than 5 staff it appears that should I take a mortgage or 3 of mine there I'm "entitled" to a further discounted discount rate. I'm currently looking at options to move my PPOR and 2 IP's anyway to keep lending capped under $1 million (935k spread. Average 70% LVR) and streamline lenders down a bit. PAYG and those 2 rents to go into PPOR offset. Discuss pros and cons.