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“Hi I’d like to speak to your customer options team to negotiate my home loan interest rate. They might tell you their customer options team will call you back in 2 or 3 business days “I can see that other major Banks in Australia are offering a (insert lowest rate you can find online here). Can you please do better than this interest rate? Otherwise I am going to refinance to a new Bank.” They will then try and convince you to stay by listing all the benefits of their bank or scare with “exit f