I am interested in those that have Westpac Investment Loans or those that can provide some advice. Currently I have about 700k with Westpac split 50/50 with: - half fixed at 5.69% for 2 more years (break cost is 11K): and - the other half variable with a 1.3% discount at 4.72% (note about 70% of this is currently offset, i.e. paying no interest on 70% of variable, but potentially looking at buying something else soon) LVR is below 60%. I cant do much about the fixed but feel the variable is a little high, any thoughts? BOQ offered a 3.94% 3 year fixed rate which might be good as a direct swap for the above fixed (but yes, rate isn't everything, and there are many other considerations). Of course, if I was to break, I can claim as a deduction. Any thoughts if the variable rate Westpac is giving is competitive or any other thoughts on the situation above?