I received some loan documents from CBA to refinance my PPOR. I asked them to refinance my existing loan of $1.49m (80% LVR at time of loan establishment) to $1.78m (now 90% LVR) but I wanted 6 splits for ease of managing the funds. However they have sent me documents (which i am yet to sign) that each of the 6 loans is each a registered mortgage totalling the $1.78m - rather than one registered mortgage of 1.78m with 6 splits - meaning now each mortgaage incurs separate registration /discharge fees. My original financier who I am refinancing from, established one initial mortgage of $1.49m and was able to have it as 2 splits (eg. A & B) (without each split being a separate registered mortgage). Then down the track to split "A" into several smaller splits only cost $50 and was not a separate registered mortgage. I am not sure if the CBA did this to duplicate registration/discharge fees (to make it more costly for me to refinance down the track) - mortgage discharge fee is $300 per mortgage = $1800 for 6 registered mortgages + $169 per mortgage with titles office... Or because they are waivering the ~$50,000 LMI (loan is at 90% LVR), or because I'm cashing out more equity above original loan amount of $1.49m, or because it's set up with an offset facility. Each loan is the same variable rate with the 1.45% discount - they wouldn't do the 1.5% discount. Any thoughts?