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$2000 Cashback on Loans over $1 Million @ Joshfs

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One of the lowest rates from a major bank.
ANZ fixed rates (under Break Free package $395 annual fee applies.

Owner Occupied Loans

2.19% (CR 4.00%) fixed 2 years owner-occupied P&I Repayments
2.29% (CR 3.89%) fixed 3 years owner-occupied P&I Repayments

Investment Loans

2.49% (CR 4.53%) fixed 2 year investor P&I Repayments
2.69% (CR 4.55%) fixed 2 year investor IO Repayments
2.49% (CR 4.37%) fixed 3 year P&I Repayments
2.69% (CR 4.40%) fixed 2 year investor IO Repayments

ANZ Breakfree package includes offset account, multiple loans, credit card. Annual fee $395

In addition, you will receive $4000 Cashback for a loan over 250K and $1000 for loans between 150-250K (from ANZ)

Terms and conditions:

Refinance Component: Must include an OFI Home/Residential Investment Loan
Maximum Number of Cashback Payments: 1 per customer within any 12-month period
This switching cashback offer is not available in conjunction with any other advertised switching offers (but is available in conjunction with any special interest rates discounts available to the customer)

Eligible Home Loans

ANZ Standard Variable Rate Loan
ANZ Fixed Rate Loan
ANZ Simplicity PLUS Loan
ANZ loan product which permits a borrower to draw down credit progressively for the purchase and/or construction of a property or a home
ANZ bridging loan
Cash Back Account: Must be an ANZ Transaction Account (cannot be OFI/Cheque)

Ineligible Home Loans

Equity Manager
Other lines of Credit

Other Exclusions

Non-Credit Critical (NCC) Applications
**Internal ANZ Refinances (e.g. New Loan containing the same borrower(s)) **
**Credit Cards and Personal Loans

Eligibility criteria

1.Loan applications must be submitted between 9 March 2020 and 31 May 2020.
2.Loans must be drawn down by 30 September 2020.

$2000 cashback from Broker is for loans over one million.
$1500 cashback from Broker is for loans between 750K and one million.
$1000 for loans between 500K to 750K.

Call 1300 537 000 for more information

Or Visit www.joshfs.com.au
Jassie Singh
Director
Josh Financial Services (ACL 390176)
Mobile 0400 288 799

Related Stores

Josh Financial Services
Josh Financial Services
Third-Party

closed Comments

  • +1

    Great if you've still got a job to pass the income tests. This fact alone will encourage existing loan providers to (profanity) us, because they know many of us aren't in a position to churn at the moment…

    • The other issue is industries/job types that have now been flagged as "high risk". There's a higher level of scrutiny on employment types that will suffer during this period and you'll need to provide sufficient evidence of a backup/plan in the case you lose your job.

      • Thankfully my partner is still working but with half the income we had when we applied for the loan, I don't like my chances of getting a refinance approved right now.

  • -4

    4% CR? Paaasss

  • +1

    So I guess the extra $2k comes down to loans with over $1m.

    $2000 cashback from Broker is for loans over one million. Call us if you have a lower amount.

    I would say that is a minority of us on Ozbargain…

    • Happy to do a deal with lower loan amount

      • How about a more realistic amount like $500K loan? What's the broker cashback?

        • This

      • -1

        Happy to do a deal with lower loan amount

        Well… Why don't you say the actual lowest amount? It's frustrating having to haggle.

        • It's frustrating having to haggle

          <insert "Life of Brian" haggle section>

          :)

  • +6

    In addition, you will receive $4000K Cashback for a loan over 250K and $1000 for loans between 150-250K (from ANZ)

    4000K

    Really?

      • I think you mean either $4k or $4,000.

      • u might want to take the "K" off so its 4000 or 4K (im assuming)

      • +22

        too late, they said yes. signing up to get my $4,000,000 cashback on my $600,000 refinance

        • +1

          My lawyers will be in touch. We expect $4 million AUD cashback to be paid to me on my $300,000 refinance.

          i'm sharing that $4 million cashback on a 50-50 basis with my lawyers to give them some motivation.

          • @AirbusA389: Will you settle out of court for half :) ?

            • @UFO: Would my lawyers settle for 1 million AUD instead of 2 million AUD?

              I can hire you to talk to my lawyers for 500k. You have to convince my lawyers to settle for 1 million AUD. I'll keep the rest. =)

      • +1

        I really wouldn’t want to deal with someone who makes that kind of mistake with finances.

    • +11

      I take all my financial and loan advice from people who can't write finance figures correctly…

  • What's the hack is the CASHHACK? It looks like CASHBACK :)

  • +5

    $4000k cashback wow

  • +1

    $2000 cashback from Broker is for loans over one million.
    Pass, essentially a duplicate post

  • +2

    Mortgage broker who post on ozbargain must be bad or desperate for business lol

    • +2

      I post on here, just here to help lol. Never offered a cashback deal.
      These cashback posts are getting old though.

  • +1

    OP, whats the ongoing CR for P+I, OO, variable interest rate ?

    • +1

      Depends on the loan amount and LVR and we can get custom pricing

      • around 80% LVR, 450k lending. Approx figures will do.

  • Why don't you give some prices on broker rebate under 1 mil? None of this "contact us" rubbish.

    • +1

      done

  • OP, please let us know the going rate for:

    Variable investor P&I
    Variable investor IO

    70% LVR, $300k lending.

  • +1

    If you are taking out a $1 Million + loan to buy property in the current market uncertainty, then you are a certified madman.

  • No thanks. The comparison rate is way too high at over 4 percent.

  • Would they do a credit check for this? Asking for a friend…

    • Yes 100%

      • -2

        My friend says there are 48 rolls of Quilton Gold TP in it for you if you can just skip that part of the application. And half a litre of 70% isopropyl rich hand sanitiser, just to seal the deal. Whaddya say?

  • What is the best rate and cash back amount for interest only loans with 90% LVR with one loan amount $1.3m and the other $0.4m?

    • Both Investment?

    • Most banks won't refinance investment I/O debt over 80% LVR - especially in this climate.

      • One major is still doing it and I would not suggest refinancing over 80% as you will have to pay LMI again ( unless you are a medico)

        • Which BIG4 is still doing LMI waivers?

  • +4

    Thanks bought 5

  • what variable rates have you been getting for P&I OO?

    • depends on the loan amount and LVR.

      • $800k, 80%LVR

        • 2.64% PI from Another Lender and no cashback.
          2.84% from ANZ

  • Sounds like an ad to me..

  • And I thought 1% ebay cashrewards was bad…

  • +1

    If it’s a million dollar loan, are you still a millionaire?

    • You will be in 30 years once it's paid off.

    • No, just a debtor.

  • -2

    i must be the only one who finds it hilarious that people on ozbargain have million dollar loans

    • Nope

  • What are the variable rates for both home and investments for under and above $1m borrowings?

    • Around 2.82% for OO and 3.20% Investment ( subject to pricing approval from the lender)

  • What’s the broker commission on this?

    • It will be disclosed one you apply for a loan.

  • So would it be right to say if I have a primary home and a investment home then I get $4k for each plus the total debt or loan amount is more than $1M then additional $2k, All up $10k.
    If you say yes then expect a phone call soon from me!!!

    • 4K from lender and 2K from us total 6K.

      • Thanks. Re-cofirming:
        Primary Home: Borrowing $900k LVR65%
        Investment: Borrowing $300k LVR60%

        Shouldn't it be $4k for primary, $4k for Investment and $2k for overall finance > $1M.

        • +1

          4K form Lender is per Customer not per property. Unless you would like to take one loan to NAB and One to ANZ then you will get 4K each.

  • NA

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