I am currently with Bankwest. My LVR is only about 65%. 4.84% for part of the loan and 5.6% on other part that just came off a fixed term. They offered me 4.44% variable with no ongoing fees and free redraw facility with no minimum. I am reading online others being offered even 4.25% by CBA/NAB etc. How do I go about getting such a deal? I think I have a good credit history and never missed a payment. So far I have tried calling NAB and the lady on the phone pretty much rattled off what was on the site, said best they can do was 4.39% and $1500 rebate. Their redraw facility sucks though, $500 minimum, not like Bankwest's where if I want to I can draw just $10 or $20 as I keep all my money in my loan account. I also tried Bank Of Melbourne, again same stuff from their website 4.24% but a terrible redraw facility with $500 minimum and doesn't go back in balance till end of the month if I make an additional payment. The person on the phone wasn't very knowledgeable or good to talk to. I kept saying Bank Of Melbourne and he kept referring to St George, same entity but still not very professional, seemed confused. Ideally I want to stay with Bankwest or go to a good bank like CBA or NAB with a lower rate and offset account cause it seems like these banks don't have the fully flexible redraw any amount facility like Bankwest's. Any advice? I told bankwest I am going to look at competitors when they told me about the 4.44% and they said to bring other offers to them and they will consider matching it - how does that work? do I need a written offer? I am looking for variable rates only with a flexible redraw like Bankwest or a 100% offset account. I feel like my loan is quite low risk but I am being given the run around.