Too many people are focused on rates, from bank to bank there is little difference. The key thing is to find out the lending criteria of different banks, for example; Some banks will let you borrow up to 97% LMI inclusive whereas others might only go to 90%. The discharge fees are deducted from the loan amount, so you can just borrow that extra amount.. it's usually $300 max if there are no break costs.
As for full valuations, I have free access to them (I work in mortgage broking), it is essential you get an upfront valuation before selecting a lender. We have had valuations vary from 500-600k before which significantly impacts upon your borrowings.
I can probably provide rp data valuation reports if people are interested...
In terms of paying down your loan the fastest, an offset account is a must. A line of credit is very handy for any short term debt and investment opportunities.
