QUOTE(aChocLover @ Jul 5 2013, 07:40 PM)
We're with Sunc0rp.
We negotiated an additional .7% off our already .3% off their variable rate due to having a number of policies with them (mortgage, insurances etc).
TBH, we haven't really looked around so I don't know how we're doing comparatively nowadays.
We have 4 offset accounts so all our money is moved between those accounts and offsets the mortgage. We have a redraw facility if required etc. I like their policies for insurance and we've never had a drama with claiming etc, so for us, 'service' is also a key factor in us staying.
Pretty much this. Except I think we're at .9% off their standard variable. DH's work have recently been approached by the big 4 banks trying to get new business and our rate with Suncorp was competitive with them all. We have one of those $300 ish per year type package deals but it makes financial sense for us as it gives us an additional reduction in home loan rate and we don't have any account keeping fees on any of our accounts.
Also, changing banks is a PITA so the deal would want to be heaps better to win over my laziness!