Thought I'd share what's currently happened. Yesterday I had 822k investment loan with bom Interest only loans fixed for 2 years. I had 1 year and 5 months remaining at 4.39%. Through com bank interest only investment loans of 350k which was also fixed for 2 years, but 1 year 5 months remaining at 4.49% I called up to see what the break fees were going to be prior to refinancing and fixing some loans up correctly, as @Jess Peletier, has managed to get me some fantastic rates. Big thanks. Turns out I have no break fees what so ever, both bank lenders were shocked when they found out, and had to check 3 times to clarify it was correct. When I asked 5 months ago, I had roughly 3000 break fees from bom, and about 1000 from com bank. Anyone understand how this is possible?