Best ' Basic rate ' (investment loan)

Hi all

I have been doing a little research on the best basic rate product on the market. Down the track, after a fixed loan expires I expect this will be the way for me to go

Interest only is attractive to me and I have been using it for quite a while. However, with the differential in interest rates between IO and P&I likely to be more significant in the future, I would rather use P&I and pay the loan down than pass the excess to the bank in the form of a higher rate.

One thing that I have learned during my time on PC is that I will be using a broker for all loans in the future

The best one I have found in my research has been the State Custodians (low rate loan) with a valuation fee of $286 at 3.89% with an Offset a/c.

I am currently with SGB so I would not qualify for their 4.39% offer for new business (no fees but also NO offset).

Also looked at Bank of QLD (4.09%) and ME Bank (4.24%) but they have varying level of fees and costs. No offset available with these two.

I don't know much about State Custodians but they look o'k at first blush.

I am not a sophisticated investor but looking for a low rate, no gouging and reliable product for the future. I do not expect to be buying additional property but if so, only 1 more in the future in the right circumstances so my choice of provider is not based on parlaying too much further borrowing.

I suppose the question I am putting out there would be as to the best 'Basic rate ' and overall provider out there on the market for an LVR well under 80%. An offset would be very nice but not essential.

Regardless, I will be using a broker. The last question would be whether brokers would do an even better deal with say, State Custodian or SGB.

Any input would be much appreciated.

Best to all