Hi, I have $320,000 in Investment loans and $970,000 in my PPOR loan, all P&I, all variable, all with offsets. I am currently being charged 3.88% for Investment and 3.3% for PPOR. Would I be realistic in asking CBA for a rate reduction, or are these good rates in the market at the moment? I don't want to move from CBA (although they don't need to know that). Thanks for any advice.