I have a fixed loan with Westpac expiring in Jan 2019. Current rate 4.19% (loan package, P + I, investment property). I have one other investment loan with Westpac too (expiring fixed loan in Jan 2020). Balance owning on loan due to finish the fixed period in Jan 2019 is approx. $200 K but have $100 K in a redraw so balance owing about $100K. I would like to keep most of this in a redraw so I can use it if needed in future. As an overseas resident, working full time, can you suggest an alternative? Would look to roll over the other loan 2 after the end of it's fixed period.