Will start by saying I have for decades now avoided the major banks mainly due to the times when they forget customers are the ones paying the bills or they take us all for mugs. But using smaller lenders does not mean they will always be straight up, many times they learn a few tricks from the big boys. Anyway, we saw who did pass on the .25 and in full, who did not pass it on, or only partially passed on ? I did not hear anything from homeloans, but if you dig it seems they passed on .25 to IP loans. Silence seems to be the name of the game for Liberty, website is hard to navigate anyway, maybe it is hidden there ? Suncorp only did part rate cut. Also, NAB tried to look good, but from memory they slugged investors 3 times recently while RBA has been on way down. What about some of the others ?