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I have now been talking to the retention team (several times). They will do 1% off, down to 6.86, will will not go any further. I have told them will be taking all of my loans, accounts, credit cards, and 4 insurance products unless they match the ANZ advertised rate (6.8%). They are not...

I did that with a link to the advertised anz deal. The westpac guy said 'we can't go lowering our customers rate every time there is a special deal by the competition', and that they offer good service. My response was, 'why not?'

I am with westpac. My home loan manager is refusing to budge on my current discount of .9 (6.96%) variable.:mad: What is my best option to get that rate to 6.8%? Call the home loan retention call centre? or a 'bank manager' in a branch? Loans of over $1m at less than 80% LVR.