do not combine the loans, I assume each has separate security backing them... plus it is easier to pay back one smaller loan or renegotiate it, versus a larger combined loan. you should ask them for a fixed rate of 5.4% or less, or take your chances with variable rates falling, as per Stevens comments this week.
Nab is the worst of the banks for either business, investment or home loans.
They are desperate for business, but are not as competitive, nor appear to have the nous when it comes to looking after their customers.
The old NAB management were better bankers. and high on the list for business banking, but those days are long gone .
A conversation with a loan broker should set you straight. cheers
