mother f**ker
My mate at commbank said after my loan had been fully drawn for 3 months, I just had to ring up and tell them NAB offered me 6.87% and that I was switching unless they matched/beat it, and they'd do it no worries...That date was coming up, and now the rates been dropped to 6.88% anyway, so I'll have to see if I can do the same thing to get it lower again...
Will still leave the repayments where they are though
Although I am about to take an almost 50% pay cut...