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I agree entirely

"Some small lenders" - again a broad generality. You could say that "some" major lenders don't honour negotiated discounts after the honeymoon or after a fixed rate period ... you can say "some" anything. There are some very good, reliable, customer focused small lenders and they should not...

Have you checked the major banks standard variables? There is no standard any more and the majors were the leaders when it came to not passing on full RBA rate cuts. Then ANZ officially broke the strings and do a fortnightly rate assessment. It is only market pressure and competition that...

That is somewhat of generality - the majors were not slow in pushing rates to their limit in the GFC. Small lenders like Heritage, ME (despite treasury concerns) were the ones who looked after their clients with competitive offers despite being seriously disadvantaged by the deposit...