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We actually got better than that on our latest loan without even asking/negotiating. Admittably we have a good relationship with NAB but in the past I at least needed to do a bit of negotiating etc to get as good or better rate than its competitors for a given loan amount. So we're very happy...

“In a statement announcing the move, NAB said its customers would be paying $51 per month less than Westpac customers on an average $300,000 home loan. "We are determined to be competitive, to offer our customers a better deal and attract new customers to NAB," NAB personal banking group...