If your homeloan is for an owner occupied property and your rate doesn't start with a 6 I would strongly recommend calling your bank and asking for a better rate. Threaten to refinance elsewhere just call their bluff even if you know you won't be eligible too.
Anything above 6.5% for an owner occupied loan that is sub 80% LVR is just predatory.
The big 4 profit off complacent customers call them for a better deal and it'll generally be sorted very quickly.
