tomclancy » user profile

Member Since 18/09/2008
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tomclancy commented on Am I Getting a Good Mortgage Refinance Deal?
Your rate is OK for a major bank. St George *should* have dropped to 6.05% with $2k cashback so I'm surprised your two brokers couldn't get…
19/04/2024 - 10:38
tomclancy replied to TGLC225 on $2000 Home Loan Refinance Cashback (Minimum Loan $250,000 and LVR up to 80%) @ ANZ
Greater Bank has $3k cashback and low rates. Check out this spreadsheet with all loans & cashbacks in Australia --> [CSV of Every Home Loan…
15/04/2024 - 17:11
tomclancy commented on Seeking a Mortgage Broker for Commercial Real Estate
Commercial is not much different to resi so if you're comfortable applying for a resi loan then you don't need a mortgage broker for…
09/04/2024 - 00:14
tomclancy replied to Homr on [VIC] $250 Broker Cashback Per $100,000 Home Loan Refinance (First 20 Customers, LVR 80% or Less) @ Mr Finance Broker
Yep. Well there are other tier 2 lenders who don't charge LMI but they have other ways of charging it "risk premium" or "lender risk fee"…
09/04/2024 - 00:04
tomclancy replied to Homr on [VIC] $250 Broker Cashback Per $100,000 Home Loan Refinance (First 20 Customers, LVR 80% or Less) @ Mr Finance Broker
Outside of the usual professions (medico, accounting, legal etc) you've got uBank and Bluestone who will do 85% LVR no LMI to everybody
08/04/2024 - 23:44
tomclancy commented on Investment Loan Refinance advice
You need a better mortgage broker. Whilst your current one may not have provided 'financial advice' it certainly sounds as though they've…
05/04/2024 - 09:01
tomclancy replied to Mr Finance Broker on [VIC] $250 Broker Cashback Per $100,000 Home Loan Refinance (First 20 Customers, LVR 80% or Less) @ Mr Finance Broker
Awesome - thanks! Question --> Heritage use Tiimely as their white label loan product. Tiimely offer the same loan for 5.94%…
03/04/2024 - 13:03
tomclancy replied to Mr Finance Broker on [VIC] $250 Broker Cashback Per $100,000 Home Loan Refinance (First 20 Customers, LVR 80% or Less) @ Mr Finance Broker
Can you share what are the better interest rates you've seen recently and which lenders please? For $600k owner-occupied with 30% LVR in…
03/04/2024 - 09:21
tomclancy replied to rv6650 on [VIC] $250 Broker Cashback Per $100,000 Home Loan Refinance (First 20 Customers, LVR 80% or Less) @ Mr Finance Broker
> They got me best interest rate in market Can you share what rate you received and which lender it was please?
03/04/2024 - 01:45
tomclancy replied to Mr Finance Broker on [VIC] $250 Broker Cashback Per $100,000 Home Loan Refinance (First 20 Customers, LVR 80% or Less) @ Mr Finance Broker
Unfortunately OP, Google has a service called Lens which…
02/04/2024 - 19:43
tomclancy commented on [VIC] $250 Broker Cashback Per $100,000 Home Loan Refinance (First 20 Customers, LVR 80% or Less) @ Mr Finance Broker
OP, there is a very good chance that all 20 customers you attract with this deal will churn away from you within first 6-12 months. What…
02/04/2024 - 12:07
tomclancy commented on Where Are My Qantas Hotel Vouchers?
They show in the Points Club page, unless you've marked them as redeemed, in which case they disappear forever. Mine are showing at the top…
22/03/2024 - 09:54
tomclancy replied to OzFrugie on [NSW, QLD, ACT] $2000-$3000 Cashback on 5.94% Variable Rate Home Loan @ Greater Bank
[[6 Mar 2024] CSV of Every Home Loan Mortgage Rate + Cashback in Australia ](https://www.ozbargain.com.au/node/653711)
11/03/2024 - 21:00
tomclancy replied to Turd on PureVPN: 110% Cashback (New PureVPN Customers) @ Cashrewards
Cashback only paid on amount excluding GST. Typically in the 100% cashback deals the purchasers still wear the 10% GST. I'm not sure how OP…
11/03/2024 - 09:20
tomclancy replied to denserham on Prepaid Card for Kids - Reloadable
Oops! Linked to the wrong account 🤦‍♂️ Here's the right one -->…
11/03/2024 - 09:15
tomclancy commented on Prepaid Card for Kids - Reloadable
https://www.greatsouthernbank.com.au/bank-and-save/savings-accounts/youth-esaver-account
10/03/2024 - 20:52
tomclancy commented on Any Broker Who Can Get a Sub 5.94% Variable Rate for OO Property?
[CSV of Every Home Loan Mortgage Rate + Cashback in Australia](https://www.ozbargain.com.au/node/653711)
05/03/2024 - 23:27
tomclancy replied to michael_123 on Refinancing a Home Loan, Price Match Possible?
> it's a waste of everyone's time to go through the hoops to get approval from another bank to only then be offered a better deal from your…
03/03/2024 - 00:05
tomclancy replied to Stickout on [NSW, QLD, ACT] $2000-$3000 Cashback on 5.94% Variable Rate Home Loan @ Greater Bank
Sure, no problems. Left to go to Suncorp 5.99% OO variable P&I <70% LVR no offset I also refinanced investment to uBank 6.14% INV variable…
28/02/2024 - 09:27
tomclancy replied to Stickout on [NSW, QLD, ACT] $2000-$3000 Cashback on 5.94% Variable Rate Home Loan @ Greater Bank
ANZ is 6.04% if LVR <=70%. You have to speak to retention team to get that rate. Only way to speak to retention team is to submit a…
27/02/2024 - 00:44
tomclancy replied to Royale with cheese on $2000 Home Loan Refinance Cashback (Min Loan $250,000), Owner Occupied Rates from 5.79% (CR 6.33%) @ Bank of Queensland (BOQ)
Yep - the entire market agrees that rates are heading south. Blind Freddy can see that they are. But if someone is desperate for certainty…
26/02/2024 - 20:00
tomclancy replied to Royale with cheese on $2000 Home Loan Refinance Cashback (Min Loan $250,000), Owner Occupied Rates from 5.79% (CR 6.33%) @ Bank of Queensland (BOQ)
> And who would lock at a higher rate for 2 years when the rates will go down in 6 months. You need a lesson in brokerage In fairness, I…
26/02/2024 - 14:30
tomclancy replied to io on $2000 Home Loan Refinance Cashback (Min Loan $250,000), Owner Occupied Rates from 5.79% (CR 6.33%) @ Bank of Queensland (BOQ)
A kind OzBargainer has a live, updated rates spreadsheet --> https://www.ozbargain.com.au/node/653711 Australian Mutual is 5.53% fixed for…
26/02/2024 - 11:08
tomclancy commented on $2000 Home Loan Refinance Cashback (Min Loan $250,000), Owner Occupied Rates from 5.79% (CR 6.33%) @ Bank of Queensland (BOQ)
Holy crap those interest rates are terrible. A fool and their money are easliy parted!
25/02/2024 - 22:17
tomclancy replied to Nuclearvodka on Buy House in Australia When Bank Account and Income Is in The UK
> being employed in the UK and having a UK savings account are not a problem Correct. Not a problem for most lenders. Certainly no issue…
21/02/2024 - 18:50
tomclancy commented on Buy House in Australia When Bank Account and Income Is in The UK
Bankwest, CBA, BOQ, Macquarie, Suncorp just to name a few. GBP is common currency that most banks will accept as income for servicability.…
21/02/2024 - 09:40
tomclancy replied to blackhorn on [NSW, QLD, ACT] $2000-$3000 Cashback on 5.94% Variable Rate Home Loan @ Greater Bank
If you refinance away from your broker in 3 months time they will have all of their commission stripped from them. Including the half they…
16/02/2024 - 19:04
tomclancy replied to gomertose on Who Is The Worst in Your Experience at Getting Refund from Closed Credit Card
> my NAB Credit card annual fee is due in July Yeah, but OP's credit card has been open 7 months?!? They aren't cancelling the card after a…
13/02/2024 - 23:56
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