I'm looking to refinance an investment loan for 670K currently with NAB. The investment property is valued at $650K but we have our main residence secured against the loan which is valued at $820K. The new deal must be interest only with a fully operating Offset account. The best deal I can find at the moment is: 3.69% fixed 2 years Full offset account No Establishment, monthly, or annual fees. Is anyone able to better this?