Is it always up to clients to raise the issue of interest rate reductions for existing loans with their broker? Or do some brokers take the initiative and notify their clients that they might be able to get a reduction? I was shocked a couple of years ago to realise (through this site) that my rate was a bit high compared to others. So I approached my broker and got a reduction. Before that, I would never have realised the rate was negotiable! Roll forward to last week and I approached the broker again and got another reduction. So far so good, but I wonder why I have to raise it each time? There are sometimes comments on this site about the great service brokers give - so why wouldn’t they send a client reminder to re-evaluate at intervals? Is it because it will affect their trailing commission?