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I agree with Terry, I might just stick it out with westpac, I am getting a good rate at the moment and the last thing I want to do is go to another lender which will increase more than westpac next rate rise. I know if you take out a substantial loan most banks will neg there rate, but if you...

We have quite a substantial loan with westpac AKA banana bank. I am getting a fantastic rate with them as my wife works for them and we get the 1% discount, my standard variable is 5.76%. Due to their .45 increase on rates I would like to refinance on principal and my question is, does anyone...