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Threatening to move a LOT of borrowings is the bargining tool we use.

I've got 1.1% with StG (5.94% soon going to 5.76%) but that was to stop me taking my business elsewhere. ANZ with a 1.0% discount (6.04% dropping to 5.79%).

Not too sure what you mean there but you're not too far off the mark if I think what you might mean.

Did so with StG to match ANZ (before ANZ bumped up their rates). Had the professional discount and threatened to walk and they matched. We were in the process of settling a new property with this new rate set, they stuffed up and dragged their feet and they ended up compensating us...