Approaching the 6 month point of a new loan. Is it worth a phone call to the bank seeking a 0.1% haircut. Hairdressers in Melbourne are all closed, so the only organisations I can approach to take a haircut are the banks. Some questions for the brokers out there: 1) Is 6 months the right time? My experience is that banks will not look and adjust the loan unless >6 months. 2) In the current COVID era, are banks more willing to give a haircut? (or less willing). 3) Does being on a 3 year fixed rate prevent you getting a haircut? Assume you don’t need to break and refix. Loan is in good order, low LVR (<50%), P&I, OO, multiple millions. Would be happy with 0.1% off.