Question for those who have renegotiated interest rates on a loan

Just a quick question - did you have to essentially 'refinance' (with all the corresponding paperwork, etc.), or did the bank simply change the interest rate on your existing accounts? Thanks.
 
Depend on the bank and or conduit you get your loan through.
Some banks only do it on new business, some branch managers dont do it for their customers etc etc
 
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