i love to refinance...we recently did as we were feeling that we werent getting a great deal anymore. had a quick look online to see what was available, showed our bank manager and told them we were walking...got a call back that night to tell us that they will better it and drop .10 off the loan rate for the life of the loan (amongst other things).

soooo...my tip would be to get them to take some percentage off for the life of the loan