negotiating homeloan rate, page-5

Depending on your level of debt, it is possible to negotiate a 1% discount with any of the big four.

You may, however, have to bargain very hard, threaten them, be extremely rude, scream and shout, and hang up on your relationship manager if you don't get your way.

Don't be too concerned about offending your RM though, their hides are generally as thick as a razorback boar after a mud bath :)