Interested to hear stories and recommendations after the APRA triggered increases over the past few months. I currently have various loans spread across BoM and CBA at 1.35% and 1.30% discount respectively on the standard variable rate. I understand this is pretty good for brand name lenders. With recent changes the BoM ones have increased from 4.10% to 4.25% (secured by PPOR) and CBA have increased from 4.15% to 4.57% (secured by Investment properties) over two separate increases. I've sat back from a little while watching other 1st and 2nd tier lenders also increase their rates, but there seem to be much better deals out there. For example various white label Macquarie products @3.91% (Owner Occupier) and Pepper @4.09% (Investor). This would amount to around $9K in interest savings for my current borrowings, an amount that is hard to look past. I am also considering lots of factors including - Not crossing loans - Offset account - Ability to extract equity in there future - LVR (happy to structure at 70% for a good rate) - IO preferred, but would consider PI for a good rate - Whether a new lender is likely to make similar future rate adjustments - The quality of their service / online services / apps etc. What are others doing / recommending? Should I just stick with my current structure, wait it out a bit longer to see what happens or keep looking for something better?