Help me restructure my lending

Hi, I want to save some money on my biggest expense - interest.

Currently I have 4 loans

3 loan of $280k with Macquarie at 4.54%. The properties these are against are worth $420k, 380k and $370k.
1 loan of $280k with AMP at 4.52%. This property is worth $430k.
1 LOC loan with CBA against my PPOR of $260k @5.1%. This is fully deductible as the entire loan was for deposits on investment properties.

I am currently overpaying the LOC loan as I want to be rid of it. I am not currently planning on buying more investment properties as I am diversifying into shares (currently with some unrelated income I have from an overseas investment property).

I need to find the best way to reduce interest charges and be free of the LOC. The plan is then to use the money that I was previously using to overpay the LOC to purchase more shares.

The highest charges are on the LOC, but it is my in/out transactional account for all my investment properties.

Am I doing the best I can, or is there a more cost-effective way to finance?

Thanks for any advice.

JB

Help me restructure my lending