Depends what your house is worth, as to whether they feel that they have a safe enough amount of equity.
A friend in NZ needed $350k to buy out a property held as a partnership. Plenty of value in the property, and good income from his business. The bank offered him the loan at 5.6%. He asked his solicitor if that was negotiable, and the sol. said he'd seen some deals come through at below 5%.
The final deal was 5.1%, half fixed half variable, no fees, $2,000 cash back to cover the conveyancing and another $100,000 to spend on whatever he liked .....
