I've got two properties I could refinance to take advantage of cashback offers. Instead of moving both to one bank and getting $4k + $2k with Bank Melbourne, I'd move one there and the other to NAB to get another $4k. Here is my thinking: Property 1: -$400 discharge fee (macquarie) -$X vic government fees - anyone know what these are? +$4000 cash back (NAB) Property 2: -$4000 fixed rate break fee (ME bank) -$X vic government fees - anyone know what these are? +$3123 interest rate saving from moving to a lower rate for the remaining 10.5 months of the fixed period +$4000 cash back (Bank Melb) Any feedback is welcomed. Thanks.