GuyfromMelbourne » user profile

Member Since 01/12/2018
Last Seen 6 hours 9 min
Badges 2
Location Melbourne

Recent Activities

GuyfromMelbourne replied to The Wololo Wombat on $100 off Conveyancing Fees ($990 + Disbursements) @ KHI Partners if You Use KHI Brokerage in July
There are plenty of good and great brokers on OzB sharing huge chunk of their commission as cashback. Discount of $100, are you serious?…
02/07/2025 - 00:30
GuyfromMelbourne commented on McLaren Vale Cabernet Sauvignon 2024 $120 / 12-Pack Delivered (RRP $336) @ Wine Shed Sale
Ordered last time. Highly recommend.
21/06/2025 - 10:10
GuyfromMelbourne replied to RTX9090Ti on Variable Rate Home Loan from 5.43% p.a. (CR 5.81%), Up to $3,000 Bank Cashback Extended to 31/7 @ Bank of China
Mate that one has 4K cashback. 2k from bank and 2k from broker. Maybe more, depending on loan amount.
31/05/2025 - 12:43
GuyfromMelbourne commented on Variable Rate Home Loan from 5.43% p.a. (CR 5.81%), Up to $3,000 Bank Cashback Extended to 31/7 @ Bank of China
[This](https://www.ozbargain.com.au/node/906347) is a better deal I reckon. Way better cashback from broker, unless your loan is between…
29/05/2025 - 12:48
GuyfromMelbourne replied to prophet on Dell S2725QC 27" 4K UHD 120Hz USB-C Monitor $399.41 Delivered @ Dell
The @prophet has spoken. :)
24/05/2025 - 08:23
GuyfromMelbourne commented on Refinancing PPOR to Buy Investment Property
Purpose of loan is the deciding factor not the security.
13/03/2025 - 21:20
GuyfromMelbourne commented on Variable Home Loan from 5.53% (CR 5.72%) + $3,288 Refin Cashback + $2,000 Purchase CB + up to 0.4% Broker Rebate @ Bank of China
There are multiple people complaining about this broker [here](https://www.ozbargain.com.au/node/805871). Until every person on that posts…
01/03/2025 - 01:11
GuyfromMelbourne replied to terlalu on What Is Your Homeloan Interest Rate in 2025?
You are getting ripped off. Do something about it. Will be well worth it.
24/02/2025 - 23:50
GuyfromMelbourne replied to T-man on What Is Your Homeloan Interest Rate in 2025?
Mate seriously how hard can it be to pick a phone and call a broker for help. They are literally sharing commissions and will find a…
24/02/2025 - 23:47
GuyfromMelbourne commented on What Is Your Homeloan Interest Rate in 2025?
Maybe mention owner occupied, principal and interest and variable to make sure everyone on same page.
23/02/2025 - 09:35
GuyfromMelbourne commented on AmEx No Longer Offers Retention Offers and I Assume Other Banks Due to Gov Regulation
Next time try prompting, I reckon that might work. Instead of saying cancel the credit card. Try saying “I am happy to keep it, if you…
15/02/2025 - 23:12
GuyfromMelbourne replied to curtturtle on $3,000 Cashback for Refinance (Min $700,000, Max 80% LVR), $2,000 Cashback for Owner Occupied or Investment Home Loan @ ME Bank
Ballpark figure is $1K. On a high side. Just to get the number crunching started. There are brokers offering a portion of commission on…
04/02/2025 - 14:15
GuyfromMelbourne replied to DingoBlue on 2-Year Fixed Home Loan from 5.55% p.a. (Expired, CR 6.05% p.a.) + 0.10% Broker Cashback @ Macquarie Bank
That is assuming rates don’t move for year. Which is not mentioned as assumption.
20/01/2025 - 20:18
GuyfromMelbourne replied to Trishool on 2-Year Fixed Home Loan from 5.55% p.a. (Expired, CR 6.05% p.a.) + 0.10% Broker Cashback @ Macquarie Bank
The truth is no one knows where the rates will go. Mr. Lowe tried predicting and that didn’t end well for him.
20/01/2025 - 18:32
GuyfromMelbourne replied to nafe on 15% off Store Wide: Boot Liners, Mats, WeatherShields, Tesla Accessories & Free Shipping @ X-CAR
Trying for MG4 products. How can I share snapshot here please.
20/01/2025 - 09:13
GuyfromMelbourne commented on Please Suggest Ways of Savings in Regular Expenses
Biggest savings are in rent/mortgage normally. What percentage if your income is going there and is there a possibility to change that?
17/01/2025 - 01:31
GuyfromMelbourne replied to Sushan Maharjan on $2,000 Refinance Cashback (Min $250,000 and LVR up to 80%) @ ANZ
So 5.78% if you have solar and 5.88% if no solar. But you mentioned variable 5.79%. Where is that from? By the way you can’t even put an…
09/01/2025 - 10:45
GuyfromMelbourne replied to Lizard Spock on $2,000 Refinance Cashback (Min $250,000 and LVR up to 80%) @ ANZ
Not sure how to do that.
08/01/2025 - 21:14
GuyfromMelbourne replied to Lizard Spock on $2,000 Refinance Cashback (Min $250,000 and LVR up to 80%) @ ANZ
Lol. Couldn’t agree more. This is the most annoying one, out of all.
08/01/2025 - 19:09
GuyfromMelbourne commented on $2,000 Refinance Cashback (Min $250,000 and LVR up to 80%) @ ANZ
7 revisions and the information is still not correct. Op has mentioned his broker id on an open forum, which is a serious breach. The rates…
08/01/2025 - 19:02
GuyfromMelbourne commented on Buying Our Second Home - Best Way to Finance
There are plenty of brokers that post deals here and offer cashbacks too. Just talk to one. No one can tell you the solution here unless…
18/09/2024 - 01:12
GuyfromMelbourne replied to Henski on Home Loan Product Where Monthly Repayment Is Based on Balance
You also have the option to not make a repayment if you have already paid extra into the loan. You can cancel direct debits and make…
14/09/2024 - 09:38
GuyfromMelbourne replied to MrThing on Home Loan Product Where Monthly Repayment Is Based on Balance
Suncorp offers what he is after. When someone pays extra into the loan. Bank should either reduce the remaining term(which most banks do)…
14/09/2024 - 09:30
GuyfromMelbourne commented on Home Loan Product Where Monthly Repayment Is Based on Balance
Suncorp does amortisation the way you are after.
13/09/2024 - 15:27
GuyfromMelbourne replied to youwintoo on 5.99%pa Variable P&I (CR 6.02%) + 0.20%pa Broker Cashback @ Auswide Bank
Na mate I am not confused. You are posting a new comment, instead of replying to existing one.
04/08/2024 - 17:21
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