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Not it is a once off where the CBA is offering 0.2% off. Next year will be different Works well if you plan to reduce taxable income for 2010-2011.....but then you have less deduction for next year. The 6.59% is not a cheap as it looks because if you actually held onto say 14k (200k)...

No this was just retention....the prize staying with the CBA. No fees as they wave most of my fees anyway. As I said ...what annoys me is the apathy of some here....as investors you would think people would be better able to negotiate rates. I did the numbers ....4 months ago I was...

Yep....the reason I did not publish it is because a lot of the lazy skeptical people thought it could not be done. Well it can be. Happy to respond to PMs on how I did it.

In terms of rate discount...NAB is best as they will offer a 1% discount on their 7.67% rate...so you should get 6.67%. CBA is hard work....I tried for 6.67% but was not able to get it.....but got close to it. I know I copped a lot of criticism for myself taking a blow torch to the Big...

Could not have said that better......at the moment CBA and Westpac are less attactive as lenders because they are likely to feel the rates pressure earlier than NAB or ANZ. Have a look at my CBA Valuation post...and the response Ross McEwan gives...and to think he is potentially the next CEO...

Be very careful with CBA and Westpac.....they are the banks most under pressure from funding and quality of loans. I previously not a fan of ANZ (too conservative) and NAB (poor service)...my have things have changed. I am finding NAB's service palatable and ANZ more flexible....they are...

NAB will do 1% off anything over a $1m for sure. I had 6.87% with CBA with loans under 700k....am looking at trying to get 6.67%. I know that 6.77% can be done for loans over $1m. As for being polite....it did not get me anywhere. So I called to have paid out figures....that changed the mix.;)

I have been having fun playing the banks off each other..... Have NAB willing to offer 6.67% for $1m in loans Have the CBA looking to match it.....with 900k in loans..... Aaahhhh....love it....but it does not come for free. I have been making a real pain in the Ar$e of myself.;)

Banks are realising....that sometimes the shoes end up on the other foot! Apparently, CBA is inundated with defections and the Retention area is overburdened.....couldn't happen to a nicer bank.;)

I just got 0.94% off with about 900k in borrowings with CBA....was extemely assertive....put the application in yesterday and wanted answer today. I just called back today and got offered 6.87%...should have pushed for 1% off. My strategy was to be a pain in the ar$e...told them I needed an...