Home Loan with Macquarie or NAB?

Hi guys,



I am buying my first IP and my broker is pushing Macquarie bank for a home loan (4.64% interest) however the customer reviews have not been overly favourable on line that I have found.



I went to my bank NAB and they can offer 4.6% interest.



I did some research about Macquarie & NAB and found:



- They have $398 annual fee ( similar to NAB)



- They charge a valuation fee of $110 ( NAB we dont charge )



- Redraw fee of $50 ( NAB dont charge this )



- To make changes to my loan it may have a charge of $250 ( NAB switching costs )



- Discharge fee is $400 ( NAB is $350 )



Does anyone have any experience in dealing with this bank?



Any thoughts would be appreciated I want to chose the correct home loan due to this is our first IP.



Thank you in advance

Home Loan with Macquarie or NAB?