I'll shortly be setting property #6 which is an OTP apartment with contract signed 2.5 years ago. - 7 apartment boutique development in the Melbourne suburbs - Purchased direct from developer/acquaintance for a discount so he could get finance - Negotiated the addition of an ensuite and other upgrades at no additional cost - Similar apartments are now selling 70-100K more today. I'm heavy with BoM and could definitely get a good deal with them, but am thinking of trying a different lender to spread the risk. Our servicing is strong. Any recommendations where I should be looking - Lender with good history of valuations based on current market rather than contract price - 80% LVR lend of that valuation - Ideally I/O, but not a deal breaker - Great rate - Lender that doesn't bait and switch, increasing rates later - Not keen on fixing as I like flexibility, but it can be a basic product as I'm already covered with offsets, transactions accounts, credit cards etc. CBA springs to mind if they are still doing the 1.5% discount like in Feb. UBank @ 4.14% PI is tempting, but I have no experience with them and are not sure if they will meet my other criteria. Appreciate your suggestions.