Current owner occupier home loan ($1.4m) with home valued at $3.2m. Bank with Citibank 100% offset at 3.71%. Stable job with base salary of $250k. Net assets of $4.8m (net of loan), current credit card limit of $50,000 (but can cancel). Previously refinanced through a broker providing full upfront fee rebate. Been with Citibank for 3 years plus now and thinking of refinancing. What is the best rate you can offer? Any upfront fee rebate available? Thank you.