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my broker said: CBA has dropped their 3 and 5 years fixed rates to 4.54% under the package. decision time.

Yah CBA first of the big 4 to pass http://www.smh.com.au/business/banking-and-finance/commonwealth-bank-passes-on-full-rba-rate-cut-to-home-loan-customers-20150204-135i7w.html

Please do post back here for the Fixed 3 and 5 years... I feel it's nearing the bottom for fixed.

Agreed, CBA is good at equity release, less declarations forms to sign. 4.65% is a great rate you got their from CBA. Hope CBA will pass the 0.25 cut, and your new rate becomes 4.40%

The message I am hearing from my own broker and some of the broker here is CBA is harder to neg lately, and I am hearing $1m loan (new or refianced to CBA), the best we could get is 4.7x, about 1 base point from NAB for the same size loan. 80% LVR, un-X, serviceability not an issue, never missed...

This happen to me also. $1.5m with CBA on 4.80%. $0.5m with NAB on 4.88% CBA refused to go down to sub 4.6x or 4.7x simply because I already negotiated within the 12months. I ended up moving $0.5 from CBA to NAB, so both are now $1m. NAB new rate is 4.63% and I accepted, but CBA remains 4.80%...

From observation, CBA keeps tabs of the discount offer to you. Combined loans I have 1.5m and below 80% LVR, currently 4.8%.. When my broker asked nicely, they replied nicely saying we're already gave you discount earlier this year...