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Well played perthguy - adding to it, plenty of lenders are offering 1k rebates, in some cases, wiping the refinance cost down to zilch.

Which lender is it Burramys? Have you asked the lender to reduce their rate? The SVR discount may have been negotiated during different competitive dynamics/funding costs/higher LVR, etc. That rate is a little out of market, a pricing request should bring it down. No need to refinance...