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Thanks that's what I'm thinking. It's hard to get lower rates from Westpac though even if you threaten to leave.

I'm trying to figure out the threshold amount of interest/fees savings in order to make it worthwhile to move lenders (refi). Say I have a $250k loan PPOR no LMI 80% LVR (plain vanilla type of loan), and want to refinance, how much interest and fee savings would it take for it to be worthwhile...