Thanks.
Its entirely possible we would be moving back within the six years.
The redraw part sux.
We have a fixed loan and dont generally pay more than the normal amount, but I did have a sum of money that was sitting in that account for a while, to offset the interest thats all been taken out now. Oh and then there were the three occasions where the bank transferred money from our day to day acct to the mortgage without telling us and I had to move it back again.

ANyway its all usedful info to know, so thank you.