I'd be weary if a few access's to a koru club lounge is enough to sway where you put a $200,000+ mortgage?Wink

itxtme: The thing that put me off was the cost of fixing.  They charge a fee every time you want to fix, now I know you dont want to yet, and why would you - but it should be a consideration.  

Also you may want to check out the various 'break fee' structures.  This shouldn't be an issue if you're opting for floating but thought I'd mention it as Kiwibank was pretty brutal on this front when I last looked. It's the type of thing nobody thinks of until their circumstances change and they need to move.