Hi, any thoughts on CBA Wealth Packages? My son has home loan, credit card, house insurances, plus bank accounts in this package. He wanted to negotiate a lower rate for his home loan. After the 25 points reduction I think the rate will be 4.84%. His loan is for $550000. I am guarantor. After contacting the CBA several times this week and getting the same response, that he is on the best rate with the discounts on his insurance and low credit card rate CBA flatly refused to reduce his home loan rate. I was wondering what ozbargainers think, whether the CBA wealth package is worth it?