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Hiya, For the record, it is a PPOR loan of a measly $133k, so I am not sure how much bargaining power I have. But, Rolf Schaefer is looking to work his magic for me sometime in the next few weeks once I have finished painting and landscaping. We'll see what happens then... Cheers James.

Hiya, I just received a letter from ING overnight that tells me, for reasons unknown, that they have kindly dropped my variable rate down to 6.65%. Didn't see that coming, but, I'm not complaining :D Cheers James.