This was posted 1 year 8 months 24 days ago, and might be an out-dated deal.

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$4000 Cashback for Home Loan Refinance from 3.69% Variable @ ANZ Bank

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$4000 Cashback for Home Loan Refinance from 3.69% Variable @ ANZ Bank
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AssociatedLen -Bundle Loans @ Bundle Property Home Loans on 27/08/2022 - 14:35 anz.com.au (835 clicks)
Last edited 29/08/2022 - 13:07 by 1 other user

$4,000 cashback loan size above $250k 80%lvr

Variable from 3.69% (CPR 3.70%) owner occupied P&I <70lvr (+0.1% for <80lvr)
Variable from 4.04% (CPR 4.05%) investor P&I <70lvr (+0.1% for <80lvr)
No annual fee for life ie 30 years Simplicity Plus
$10 per month offset account

Other lenders cashback offers:

$4,000 St George Bank / Bank of Melbourne
$X,000 Westpac - ask me
$3,000 ING - per application (>$500k loan size but can owe less)

Disclaimer:
The information provided is for general education purposes only and is not intended to constitute specialist or personal advice. This has been provided without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the advice to your own situation and needs before taking any action. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy.

PLUS up to 0.3-0.4% eg $4,000 for a $1m loan size broker rebate per net loan (on top of bank cashback, available via broker only, not via the bank). T&C’s apply.

Please email us at first instance and we will reply ASAP. Missed calls and OzB messages may get delayed. If you don't get email reply within 24-48hrs (some emails go into our spam), pls call us or text us.

Len
Bundle Property Home Loans
[email protected]
www.bundleproperty.com.au
T: (02) 9698 7186
M: 0422354868
ACL 445947

Financial Cashback Home Loan Refinance

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ANZ
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Bundle Property Home Loans
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closed Comments

  • sprucemoose92 on 27/08/2022 - 14:55
    +1

    Wait I thought rates were going up and I had to sell my home at a loss?

  • Unacceptable on 27/08/2022 - 14:57

    I refinanced back in Jan 2023 (hsbc cashback), Am I allowed to move for this cashback?

    • Loki556 on 27/08/2022 - 15:06
      +7

      Are you from the future? What will the rates and gas prices be in 2023?

      • sachz on 27/08/2022 - 15:31
        +3

        Stuff that .. gimme Lotto numbers!!

    • AssociatedLen -Bundle Loans @ Bundle Property Home Loans on 27/08/2022 - 18:23

      Yes

  • bigpun on 27/08/2022 - 15:00

    Does simplicity plus allow for offset and has the same interest rates you have in your post?

    • Slo20 on 27/08/2022 - 15:51

      Yes. ANZ scrapped their packages recently so you pay for add ons that you want, credit card, offset etc. the offset account is $10/month. https://www.anz.com.au/personal/home-loans/compare-home-loan…

      • Slo20 on 27/08/2022 - 20:02

        After re-reading the link I included I’m now thinking no. It refers to the simplicity plus as a no frills as says if you want offset to consider ANZ Standard Variable home loan which is 1.05% higher rate.

        • donamique on 27/08/2022 - 21:59

          Yes the link shows "If you're looking for more features like an offset account to help save on interest (a fee of $10 per month applies), check out our ANZ Standard Variable home loan - our most flexible variable home loan with plenty of features to help suit your needs."

        • bigpun on 27/08/2022 - 22:38
          +2

          Exactly, the ops post needs to be clear on this. Bit misleading saying $10 offset when it doesn't apply to simplicity plus loans when the interest rate is substantially higher when going for an offset with ANZ

    • donamique on 27/08/2022 - 19:41
      +1

      I don't think so. Simplicity plus is the basic variable rate which only allows redraw.

      To get offset you need a standard variable loan?

    • great-price on 29/08/2022 - 09:06

      I'd also like to know the answer to this. Do bundle loans have the ability to get access to the offset on a Simplicity PLUS loan?

    • CodeXD on 12/09/2022 - 13:12

      I spoke to my broker and they confirmed that I am able to get 3.69% and pay $10p/m for offset account. Maybe it is a broker thing and not available directly from ANZ?

  • kerfuffle on 27/08/2022 - 15:06
    -6

    Neg because OP failed to list their website at the bottom of the deal as per third-party rep rules. Every deal they post, they vote on, which gets revoked once a mod comes by to fix up the post.

    • AssociatedLen -Bundle Loans @ Bundle Property Home Loans on 27/08/2022 - 15:21
      -2

      Added our website. Pretty obvious from our email [email protected]

      • kerfuffle on 27/08/2022 - 15:22
        -2

        Pretty obvious you shouldn't vote on your own posts that are for your company.

        • buckster on 27/08/2022 - 16:27

          Every deal posted is automatically given an upvote by the poster isn't it? Go check your own as you seem to have voted on all the deals you've posted too??

          • Harry P Ness on 27/08/2022 - 16:45
            +1

            @buckster: I didn't think that was the case for reps / associated users

          • kerfuffle on 27/08/2022 - 16:52

            @buckster: I'm not representing any business when I post, unlike the OP. If the OP is associated with a business, as is the case here, they can't upvote their own posts. Until they put their business website at the bottom to identify them as a third-party, every deal they post is automatically upvoted by them. If they posted correctly in the first place, I wouldn't have called them out. But they never do. The website was added after my comment. Get your facts straight.

            • buckster on 28/08/2022 - 08:58
              -1

              @kerfuffle: Then why remove your neg?

              • kerfuffle on 28/08/2022 - 17:48
                +1

                @buckster: Clearly you don't know how OzBargain works even though you've been here for almost a decade. You and eight other people negged my comment; subsequently, the neg was revoked as the community did not see it as a valid neg vote.

                • buckster on 28/08/2022 - 19:10
                  -1

                  @kerfuffle: I guess as above it was because the reason was relatively petty

  • CachePC on 27/08/2022 - 15:38

    So 4k regardless of loan size above 250k with lvr <80% from ANZ and then potentially more rebate from broker? It's a little confusing with the Plus part

    • AssociatedLen -Bundle Loans @ Bundle Property Home Loans on 27/08/2022 - 18:24

      Yes broker rebate is in addition to bank cash back. So can get eg $4k bank plus $4k from broker total $8k

      • sprucemoose92 on 27/08/2022 - 18:42

        What Broker is paying $4k for you to refinance a $250k loan. You'd be paying the client with nothing but trail income in return.

        I'd honestly use you for the 8k then burn you by moving with a different broker within 12 months so you get a claw back 😂

        • dlovep on 27/08/2022 - 22:12
          +1

          nah.. the broker's cashback might apply after 10 years…lol

  • starburstyellow on 27/08/2022 - 15:44

    Hi OP, Is there any deals for first home loans? I see a lot of refinance deals.

    • sprucemoose92 on 28/08/2022 - 07:42
      +1

      Yeah you'll get cheapest rate on offer (dependant on your LVR). The bank doesn't need to buy your business when you don't even have a home loan yet.

  • BBBarry on 27/08/2022 - 16:13

    Hi OP, does this include IO loans (<70%). Thanks.

  • Gazpacho on 27/08/2022 - 16:45

    EDIT GOT MY ANSWER

    • Harry P Ness on 27/08/2022 - 16:47

      No, most brokers worth their salt would have access to same/similar deals, I doubt one of the B4 banks is giving exclusivity to such a small time operator.

      • Gazpacho on 27/08/2022 - 16:48

        Cheers. I'm guessing even if you go directly to the bank you can get the cashbacks?

        • Harry P Ness on 27/08/2022 - 16:49

          You could, but some brokers offer additional cashbacks if you use them. It still won't cost you anything to use a broker, but can be helpful to compare them.
          Don't be afraid to say no or ask them to wait while you get other quotes (some can be a bit pushy). Shop around, DYOR etc etc.

  • JuryWheel on 27/08/2022 - 16:51

    Hopefully these cashbacks will be available around March next year

    • Whatisthatvelvet on 27/08/2022 - 17:18

      I've been chasing cashbacks for about 2 years so far, I also agree with you

      • Harry P Ness on 27/08/2022 - 19:54

        I got a couple (Bankwest) in November last year when we refinanced an existing IP loan and took out a new one for a PPOR.

      • tunzafun001 on 27/08/2022 - 20:20

        Which was the best, worst, any tips?

        • Whatisthatvelvet on 27/08/2022 - 21:12

          The best is the lender that provides the best cashback and rate.
          Ive refinanced 2 x loans to BankSA 6 months apart (PPOR then IP) and have got $4k each. Just last week I was refinancing the IP away from BankSA to HSBC for their cashback and rate. After submitting the discharge form I actually had BankSA retention ring me and offer me a better rate and another $3.5k cashback to stay.

          Only tip is to follow through on any refinance if you need to. Call the banks bluff. They appear to be doing anything to retain customers atm.

          Edit. Few tips from this WP thread
          https://forums.whirlpool.net.au/thread/988ly85j

          • tunzafun001 on 28/08/2022 - 09:05
            +1

            @Whatisthatvelvet: Cheers, good to know. CBA wouldn't give me a better rate, then did a 'review'. Still no better rate. So said send me the discharge forms. Amazingly this person found a better rate (within 0.01 of HSBCs rate) and gave me $1000 if I stay for a minimum 100 days. Will move again at 100 days.

    • kumquat on 27/08/2022 - 17:28

      What’s happening in March?

  • [Deactivated] on 27/08/2022 - 18:55
    +2

    Is the 3.69 already adjusted for the august increase or is it yet to go up by 0.5%?

  • Unacceptable on 27/08/2022 - 19:55
    +2

    What are the initial fees to establish loan with ANZ?

    • AssociatedLen -Bundle Loans @ Bundle Property Home Loans on 30/08/2022 - 19:13

      $160 settlement fee at ANZ, one of the lowest on market. + govt fees etc.

  • merocky5 on 27/08/2022 - 22:23
    +1

    If I got one $4k cashback for one property refinance in last 5 months from ANZ, can I get another $4k as cashback for another refinance thru ANZ?

    • AssociatedLen -Bundle Loans @ Bundle Property Home Loans on 30/08/2022 - 19:15

      There are other lenders offering $4k cashback. But if you're refinancing twice in 5 months, it's likely leaving surplus enquiries on your credit file and negatively impacting your credit score.

  • Unacceptable on 30/08/2022 - 12:35

    Op didn't reply to my email so I will direct contact ANZ and proceed.

    • AssociatedLen -Bundle Loans @ Bundle Property Home Loans on 30/08/2022 - 19:10

      DM me your email, we should have replied to all enquires already

  • Unacceptable on 05/09/2022 - 12:14

    Applied direct to ANZ on 30/8 and get approved on 5/9. Easy process.

  • AssociatedLen -Bundle Loans @ Bundle Property Home Loans on 05/09/2022 - 18:53

    Well done. But you missed out on our extra broker rebate?

  • GS9891 on 29/09/2022 - 20:14

    Just FYI, be aware that while the ANZ deal is for loans >$250k these brokers do require your loan to be net owing >$300k which should probably be added to the OP.

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