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I rang up and asked for a payout figure as "I had got a better rate from another" bank. They asked if they could make an offer to keep my business, to which i agreed. They basically drove it from there. I hadn't even spoken to another bank, but I had checked out what rates were plausible...

CBA just offered me 0.95% discount off my existing loans. Thanks guys for prompting me to save some dough! Regards, Jason

SO how do people generally ask for a discount for an existing loan? Just ring up and say you want a bigger discount or your will consider taking your business else where? Any risks to be aware of? Any change if the original loans were setup by a broker? (whom I'm no longer in contact...