Originally Posted by nixstuff

We went one better - got a Home Smart (offset) loan with HSBC. So it's all in one - we buy EVERYTHING on an HSBC credit card, pay it off each month out of our balance, and you only pay your mortgage based on what's outstanding - so currently pay a monthly amount based on $20k LESS than our limit (as that's how much 'cash' is in there to offset). Plus with the rewards earned on the card we have our car and house insurance through VERO/HSBC - put the points towards your ins. costs (and you can batter them down by getting comparative quotes, they've been cheapest each time for the past two years).

As for cash, only get it out 2 or max 3 times a month from any ATM, don't pay charges as it's within the 5 limit.

So far, free banking for us. Only use the aussie dinosaurs if it suits.