Every time the Repo Rate change to a down I must first phone SA Home Loans before they change my monthly installment and everytime they do have this mega excuse. How many Home Owners do they cheat. If they stay on the same monthly installment for a month I am sure they make a few bucks illegaly. The repo rate came down in the middle of September 2010 but still for the end of September and October my monthly instalment is the same.