So we have gone through the apra changes of late. Investor rates went up. Most investors probably think that they do not any ability to obtain a sharper rate with their current lender. We are now seeing the re-entry of a few lenders back into the market. I have some of my portfolio with bank x. I simply emailed my personal banker and told her my owner occ rate elsewhere was significantly better, any chance of sharpening the rate on my loans with you guys? 2 days later I got a reply with them shaving .4% off the variable rate. Then they asked if I wanted to bring more business across and they would consider further reductions. To be honest I was not dissatisfied with the rates in the first place either. May not apply to others situations, but I wanted to highlight that sometimes if you ask, you shall receive. I would be interested to see if other members tried this and see if they have similar success'