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$3,000 First Home Buyers Bonus (Min Loan $250,000) + 0.3% Broker Cashback @ ANZ

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$3,000 First Home Buyers Bonus (Min Loan $250,000) + 0.3% Broker Cashback @ ANZ
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AssociatedLendingWorkshop @ Lending Workshop on 13/11/2023 - 09:37 anz.com.au (165 clicks)
Last edited 14/11/2023 - 12:15 by 1 other user

Negotiated deal is not a valid bargain. Negotiated interest rate removed from title. — Mod

Hello Ozbargainers,

Firstly, thank you for your support so far.

ANZ is running hot at the moment, offering cashback both for refinances and first home buyers. No fee loans, only $10/month for an offset account, if you want an offset account.

The advertised rates are available at this link but we can achieve better rates by negotiating based on customer's situation.

This deal is specifically for first home buyers. Refer to this page for detailed terms and conditions for first home buyer's bonus. Key constraints are:-

  • First home buyers.
  • Settling within 180 days from application date.
  • For buying or building your first home.(Only land purchase is not eligible)

ANZ is also offering $2K cashback for refinance applications . And that is for both home and investment properties. Refer to this link for more details.

The best interest rate I have been able to achieve is 5.74%(CR 5.74%) before November increase. 5.99%(CR 5.99%) including November increase. That was for a large loan with low LVR though.

What is Broker Cashback? - I have been getting this question a lot, so clarifying. This is a cashback offered by me as a broker to my customers. I have access to 35+ banks/lenders on my panel. No matter which bank you decide to go with. I will honor this cashback. It is 0.3% of the loan amount. Example for loan of $1Mil. It will be $3,000(0.3%x$1,000,000). This is in addition to whatever cashback is offered by bank/lender. Refer to this link for broker cashback terms and conditions.

The easiest way to reach out is call me on the contact details provided below. You can also book an obligation-free appointment in my calendar

General Advice Warning-. The information contained on this web page is general in nature and does not take into account your personal situation. Please contact me for a tailored solution, comparing 35+ banks/lenders.

Regards,
Roopali
Director | Mortgage Broker
Lending Workshop Pty Ltd
Credit Representative Number 544854| Australian Credit License Number 391237| ABN 98 663 429 598|Certified FBAA Member M-353524.

Email [email protected]
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Financial Cashback First Home Buyer Home Loan Mortgage Broker

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closed Comments

  • dcool75 on 13/11/2023 - 09:43
    +3

    I can vouch for Lending Workshop and Roopali. I had a very smooth and great experience with her for my first loan. As a result, I recommended her to my sister as well who had a similar experience and refinanced both her loans.

    • AssociatedLendingWorkshop @ Lending Workshop on 13/11/2023 - 10:58

      hi @dcool75, Thank you so much for the kind words. You have made my day.

  • Frozensage on 13/11/2023 - 09:55
    +1

    anyone had success getting that $10 waived? and if so what reason would you ask them to remove it?

    • cumova on 13/11/2023 - 10:33

      If you don't attach an offset account then no fee. Put your savings in redraw if its owner occupied. If its investment keep the offset.

  • Duckie2hh on 13/11/2023 - 10:40

    What's the rate for IO investment loan?

    • AssociatedLendingWorkshop @ Lending Workshop on 13/11/2023 - 11:04

      hi @Duckie2hh, The investment rates are pretty good with uBank. Please refer to this deal I posted before.

      To be honest, your question is hard to answer, because I need to know details and I won't recommend posting on social media, example below. For ANZ, negotiated rates are customer specific. So need to know your name etc.

      • Loan Amount
      • Property value
      • Post Code
      • P&I or I/O
      • Fixed or Variable

      I would suggest booking an obligation free appointment in my calendar and we can discuss options.

  • StoinkerDoink on 13/11/2023 - 11:18

    I will be looking to purchase a home in the next few months - and I am naive to mortgages and brokers etc (although doing a lot of research). With that in mind, the 180 days between approval and settlement, is that from time of pre-approval?

    • AssociatedLendingWorkshop @ Lending Workshop on 13/11/2023 - 14:00

      hi @StoinkerDoink, the 180 days is from application to settlement. So let's say you submit application with ANZ Bank today, you have 180 days to settle on that loan and get the keys for the property. Hope that clarifies.

      I am assuming you have organized a pre-approval already, if you are looking seriously. If the offer gets accepted, reach out to me and I can offer the best deal possible at the time.

      Good luck with your house hunt.

  • shake on 13/11/2023 - 12:16

    Been looking at IMB, who are doing a $2,500 cashback… interest rates look to be lower too (not taking into account any negotiated rates).

    Interested to see if you think there’s any reason to go with ANZ over IMB? TIA

    • AssociatedLendingWorkshop @ Lending Workshop on 13/11/2023 - 13:04
      +1

      hi @shake, I don't have IMB on my panel so can't write to them but I am certain that ANZ/Me Bank deal that I have posted combined with broker cashback will work out to be better cost wise. Also, I deal with the bank and you can talk to me after hours/weekends etc. So I reckon this deal is way better both service and cost wise.

      Please feel to reach out on the contact details provided in the post and we can work out the exact $ difference comparing IMB and others.

  • SuperKat on 14/11/2023 - 10:40

    regarding "ANZ is also offering $2K cashback" ?? Is it only when we refinance 1 home and 1 investment property? do we get the bonus if we just refinance the primary home?

    • AssociatedLendingWorkshop @ Lending Workshop on 14/11/2023 - 18:47

      hi @SuperKat, It is one cashback of $2,000. You can get either by refinancing inv property or primary home. Assuming the loan amount is above $250,000.

      You can probably got both properties to Me Bank or 1 property to Me Bank and other to ANZ. Feel free to reach out if you want to have a chat and work out the best solution depending on loan amounts and LVRs etc.

  • RoverNOut on 14/11/2023 - 15:35

    Hi LendingWorkshop,

    I recently settled on a property through a top 4 bank's employee benefit scheme.
    I'm quite new to the idea of refinancing or cash back scheme's, is there any benefit in this deal to myself as settlement has just passed and is within the 180 days.

    How quickly from settlement should I be shopping around for a better rate etc?

    Thanks!
    RoverNOut

    • AssociatedLendingWorkshop @ Lending Workshop on 14/11/2023 - 18:50

      hi @RoverNout, Congratulations on purchasing a property first of all. The question asked is missing details. What LVR you settled on. How much is the loan amount, what rate are you on etc. Please feel free to reach out by booking an appointment. We can discuss your situation to find out if it is worth moving, waiting or not moving at all. I will advise accordingly.

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