Hi, I'm looking at refinancing with lower repayments plus borrowing a little extra to do some minor repairs and payout credit cards. My payout is around $320,000.00 and I'd want to borrow and additional $15k for repairs and to payout credit cards. Property has recently been valued by ING at $420k. My current interest rate is 4.99% at CBA on the fixed portion and 4.42% variable (47k). I'm looking for a home loan with both fixed and variable with lower interest rates. I have been offered 3.79% on both with an annual fee of $299, offset account and redraw facility, can hashching beat this rate?