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Not always the case... Approaching the bank directly, they offered me 0.77%. The broker got me 0.85%. Maybe I need work on my negotiating skills! ;)

Anz We have just over $1M. Currently with ANZ and was on .7. Went to CBA and they offered .80. Went back to ANZ and they countered with .77. Got out broker to follow up and got .85. (This was about 6 months ago)