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Thanks for the replies everyone. Thank god I didn't want to go through that effort again :)

Hey mate I got 4.79 with all my standard loans and 4.81 on Portfolio ones(aka everyones loved xcoll loans) :) with STG

So ive spent the last few weeks haggling with my bank to get cheaper interest rates and I finally got a big discount which they agreed on finally :) but now with todays predicted interest rate cut will I have to go through the whole process again or will they change it automatically? Thanks in...