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@arrabon Thanks for the reply. I had a feeling -0.8 was not the best out there.

@aleena That was the plan, but the bond originator feels strongly that she can get a better rate just doing her thing. I think she was annoyed that I went directly to a bank in the first place. I think they aren't allowed to get a second quote from a bank you already applied at.

I'm in the process of financing a home, went to as many banks as possible for the best rate. The best so far is prime -0.8. I don't think its bad, but it can be better. What is the best rate I can realistically get. Bond is for R2.5m