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Hi Just to close this off, I was the original poster of this thread. I negotiated Westpac down to 4.47% variable (1.18% discount) for my 300k variable (total lend of 700k with the other 400k fixed for another 3 years). They originally offered 4.75% which I rejected.

The discount they have offered is 0.95%, you stating they may give 1.20%?

Hi Situation is as follows: Borrowed 700k Westpac in March 2013 (property purchased 840k) 300k was fixed for 2 years at 4.99 400k fixed for 5 years for 5.69 Fast forward to the present and the 2 year fixed rate is up for renewal. Property is now worth about 1.2/1.3m I have about 120k...