problem with my bank manager, page-31

Yes.... it does cost the banks everytime the ombudsman is involved.

I had a thought Nickyjames.

if the $5k is an issues for you cashflow wise.

Perhaps ask if you can top up your loan by $5k.

Reasons...

Dont have to come up with $5k yourself now
Can pay it off over 20yrs if u wish
Could make extra repayments anyway at the lower rate when u can.

$5k adds about $7 week to your repayment.

You would make this back perhaps when and if you sell anyway.

Just a thought.

but try the ombbudsman first...... if that doesnt work, give me your email add and i will put u in touch with a guy at the CBA....he may sort it out for you.