GuyfromMelbourne » user profile

Compare the market deal is better if 100K loan. But they don’t have bank of china.

That is correct. Rates depend on bank and product. Broker cashback applicable to all banks. Or compare the market could workout better too.…

There was one recently for me bank deal.

And they don’t pay the cashback until they recover the gap if the bank they recommended pays them less commission. Check the commission…

For an example loan of $400,000. The cashback promised here is $50/month($600/year). Out of that these guys will take away $10/month in…

Looks like it. Their employees will process application.

Assuming that online lenders offer better rates is not right. Heritage/People Choice are offering same as Unloan for variable. They have…

True that but these lenders don’t take on anything out of the blue. Which your case is. And if deal is good with a normal bank. Why would…

Why would you run around when brokers do this free of cost? Search for a mortgage broker on Ozbargain and go from there.

Wouldn’t [this](https://www.ozbargain.com.au/node/839207) work out better for a loan of $700K or more? The broker is offering 0.3%. Which…

Better rates easily available from so many banks.

[this](https://www.ozbargain.com.au/node/839207) is a better deal, with a additional broker cashback of 0.3%.

Because they won’t ask for your partner’s income etc if that wasn’t the case.

Because you cannot service both the loans just with your income, as per bank calculations. Technically they shouldn’t even offer the new…

**It’s for lunch only.** Tried this deal in Fat Jak’s Caroline Springs recently and really liked it. The meal is not huge but bigger…

Thanks for responding. Understand the 15% tax part. I just can’t get my head around is the negative gearing. This extra money parked in…

Ask OzB

Learned lessons after the first one.

Hello Everyone, I tried looking up but most of the discussions are about paying off mortgage vs making extra contributions into Super. I am…

Any broker cashback?

Did you look at westpac/bank of Melbourne? Also, hope your broker is offering broker cashback. There are few on OB that offer broker…

There are 2 best ones on ozbargain. 1. Withcashback. They offer 0.6% of loan amount. 2. Lending Workshop. They offer 0.4% of loan amount.…

When these small lenders offer the best deal. They struggle with volumes. Unable to cope.

Look at their website. Why would you want to do this to yourself? Unless jumping again in short period.

How is this any better or different than [this deal](https://www.ozbargain.com.au/node/766013) Suncorp have been doing cashback per…

> ING - $3,500 for loan amount $350k when refinancing by 31st May 2023. Is this a typo OP? ING Website only says $3K

What about cashback? Also, Athena started the same way. Look at their rates today. I hope unloan can prove that Aussies want set and forget…

Hi @punkman, not defending op. I have negged his last deal in past. But he is right on this point. Unloan doesn’t deal with brokers.…

[This](https://www.ozbargain.com.au/node/761110 ) broker is offering double cashback. So this is not a deal in my opinion.

Being in the finance industry for 10 years and the simple answer to your question is yes it’s worth it. You need to find the right broker…