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@spamdetector Yes, I agree. However, that excludes our entire demographic from taking advantage of the low rates that Internet banks offer. I wish that these institutions could be better, and I feel that they have the capacity to if they only just decided to get with the current century.

This is basically just a rant for catharsis, so that I can get this off my chest and move on. Haha. I’m buying a house so I’ve been applying for mortgages from a few banks, shopping around for a good rate. One of the banks - au jibun bank - had very attractive rates advertised, so I applied...

@wlc777 On negotiation, “Yes but have to have a reason” I agree and can give an example. From the start when they first showed us the home, my wife made a comment that there was no toilet on the second floor and that was a shame. Asked the agent if they could find out if renovation was...

@crazyredchristian Thanks! This is great to know! Currently have pre approval from MUFG but applying for pre approval at another bank with a lower rate. If I get it, I will do just that and negotiate, as I’d rather stay with MUFG because that’s where all my accounts are. Thank you!

@crazyredchristian I’m curious about what you say about negotiating. Can you negotiate an interest rate (a bigger discount) than what their going rate is? How does that work? What step in the process is that?