Recently refinanced a 400K investment loan, IO only for around 3.65% variable. Understand lowest rates aren't always the best but am seeing rates mentioned here that are consistently below this. Did I refinance too high ? Would it be worth looking at re-refinancing again early next year (say a potential Feb IR cut) and do it myself rather then through broker ? I have a few other investment loans on variable P&I set up through broker channel. Any thoughts from those with experience if this is a good/easy/hard/risky/worthwhile to shop around and get loans directly ? Is the etiquette to let my broker know i'm doing this ?