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So far saved me about $3000 for the year. Hope to save another 5000 - 6000 after negotitating with other banks apart from CBA. Definitely the most "profitable" thread for me.

Not in my nature to be aggressive. Someone I know did the same as you (asked for a discharge form) and only got .94% off while I got 1%. All you have to do is send the retention team a link to this thread and they will move.

I got offered 6.7% with NAB but have to bring everything over (which I never will). I'll contact them to see whether I can bring just $1m over, not everything. You don't need to be a pain in the Ar$? You can still be courteous without resorting to being aggressive.

I've tried the small players ie Adelaide, AMP and ING etc and found that their deals are consistently worse than what I can from the big 4. They are generally not negotiable and their exit/entry fees can be a lot higher. I'm on 6.81% with CBA. It appears that others on this forum are getting...

Pushing harder with AMP didn't make an ounce of difference even when I mentioned CBA's rates. I'm getting my broker to negotiate for me

NAB came down to 6.95%. NAB will come down to at least 6.7% if I bring all my loans over to them. I feel that I could do even better than 6.7% if I pushed a little harder. AMP will not negotiate which is annoying so will refinance out of them as soon as possible. Haven't contacted Westpac yet...

Glad to be able to help you, Anh. I've got loans at other banks which are more than CBA's rate. I'll be quoting my new rate to see if I can get all my loans down to at least 6.81%. My AMP loans are 7.15%, Westpac is 7.06%, NAB 7.0%,

Anne, I spoke to a Paul who I think, was from the loan retention section. Originally I rang the central number (can't remember it but easily obtained from their website) and was then directed to the home loan section. The lady was very pleasant and promised that someone would contact me which...

1% off standard variable Just got 1% off standard variable after quoting your post. I'm trying to get the wealth package fee waived as well. My borrowings are a little lower than yours. I didn't have to be aggressive by threatening to go elsewhere or by asking for a discharge form. I...