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Get $1,500 When Your Home Loan Settles if You Apply before September 30 - Uno Home Loans

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Get $1,500 When Your Home Loan Settles if You Apply before September 30 - Uno Home Loans
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AssociatedLuno home loans on 10/08/2018 - 09:45 unohomeloans.com.au (526 clicks)
Last edited 10/08/2018 - 19:45 by 1 other user

We know that competition in the home loan space is heating up. That's why we've launched our biggest offer to date this month. Here's the deal:

  • Submit a home loan application before September 30, and you'll receive $1,500 back from us when your loan settles
  • Offer is available to those who are switching lenders (refinancing) for any reason (to get a better rate, for debt consolidation, cash out, etc) OR for the purchase of a property
  • No coupons or codes required
  • A handful of lenders that we work with have cash incentive offers at the moment; if you apply to those lenders through us, you're eligible to get both the cash from us AND the cash that the lender is offering

About uno: We're an online mortgage broker servicing customers from all over Australia. We're all about making the home loan process better by combining smart technology with clever people to get you a better deal. We've got 23 lenders on our panel - including all of the big banks, and plenty of competitively-priced smaller lenders.

Here are the full terms and conditions for the $1500 offer - have a read:

Offer only available for new home loan and refinance applications that are lodged with a lender via uno Home Loans (“uno”) between 1 August – 30 September 2018, and settled by 31 December, 2018 (“promotional period”). Eligible applicants will receive confirmation from uno that their home loan application has been lodged with a lender. Eligible applicants will receive a one-time AUD$1,500 cash payment from uno following settlement of their home loan which must occur within the promotional period. Limited to one payment per main applicant. Multiple applications submitted by the same main applicant are not eligible for multiple payments. uno will be in contact with the main applicant upon settlement of the home loan application to confirm the payment details. Payment time is up to 6 weeks after confirmation of main applicant’s payment details. All loan applications are subject to uno assessment and lender approval. Only home loan applications with a total loan amount greater than or equal to AUD$250,000 are eligible to receive the payment. This is a limited time offer and may be varied or withdrawn by uno at any time.

Planwise AU Pty Ltd trading as uno Home Loans ABN 81 609 882 804 Australian Credit Licence Number 483595. Planwise is majority owned by Westpac Banking Corporation.

PS - happy to answer any home loan questions you might have here on this thread too!

Financial Home Loan Mortgage Broker

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closed Comments

  • tunzafun001 on 10/08/2018 - 09:58

    Looking for the best rate IL loan. Cba are doing a 3.99v (2yr honeymoon rate) with 2k cashback towards refinancing. Can you get that product, or anything better?

    • temporiser on 10/08/2018 - 10:10

      Do you know what the conditions are with this? I have a savings account with CBA but no loans with them.

      I switched from CBA two years ago to WBC to get their $1500 cash offering at the time.

    • Associateduno home loans @ unohomeloans.com.au on 10/08/2018 - 10:46

      Hey there! Just confirming now with our advisor team. I'll be back in touch shortly, stay tuned…

    • Associateduno home loans @ unohomeloans.com.au on 10/08/2018 - 14:29
      +2

      OK, back with some info. For that CBA offer, applications had to be in by July 31 - so the offer has now passed unfortunately. However, our tech has pulled the list of other lender offers that are currently still valid, that customers are still eligible for if they apply through us (so they'd get the benefit listed below, PLUS the $1,500 from us - subject to the terms and conditions of both offers being met, of course. Full ts and cs would be available from our advisers through the application paperwork, but there is a summary of the key points below.)

      Bank of Melbourne: $1500 cash back for refinances to an Advantage Package Home Loan
      Must have a BOM transaction account linked to the refinanced home loan at settlement. Includes OO (only P&I) and INV Minimum loan size $250k. Excludes refinances from Westpac, St George, Bank SA, RAMS and Portfolio Loans. Application received before 31st August and settled by 31st October

      Bank SA: Same as above

      St George: Same as above

      Westpac: 200,000 Velocity Points.
      Owner occupied or investors, for loans of $250K or more. Under PAP. Must be a member of the Velocity Frequent Flyer program. Exclude Equity Access Loans (LOC). Not available for Internal Refinance or switches within Westpac Group. Not available to company and trust account holders. Application must be approved by 30 September and settled by 30 November 2019.

      Westpac: 500,000 Velocity Points.
      Owner occupied or investors, for loans of $1M or more. Under PAP. Must be a member of the Velocity Frequent Flyer program. Exclude Equity Access Loans (LOC). Not available for Internal Refinance or switches within Westpac Group. Not available to company and trust account holders. Application must be approved by 30 September and settled by 30 November 2019.

      Bankwest: $1500 cash back offer for refinances.
      Refinance OFI. Must be for BOTH Owner Occupied or Investment properties (minimum of 2 securities with one being OO, and the other being Investment). Owner occupied must be principal and interest, and investment can be either principal and interest or interest-only. LVR must be lower than 80%. Offer applies to the Complete home Loan Package product (Complete Variable, Complete Fixed and Complete Equity) for loans of $200k or more. Retail customers only (no Company or Trust borrowing structure)". Application must be submitted by the 31st August and settle by 30th November 2018

      ANZ: Conveyancing fee rebate up to $1,000 for first home buyers.
      Must be eligible for the FHOG or First Home Owner SD concession. Loans larger than $250k. Must hold an ANZ transaction account. Application must be submitted by 31st December 2018 and draw down by 31st March 2019.

      Love to help everyone out with these offers - so send us a DM if you'd like to coordinate a quick phone call, or jump on over to unohomeloans.com.au to plug in your stats and kick off the process.

      • knobbs on 10/08/2018 - 14:38

        Worst time of my life to be with WBC already :(

        • Associateduno home loans @ unohomeloans.com.au on 10/08/2018 - 14:54
          +1

          We've got some pretty sharp rates at the moment that don't have a cash back offer, but might still save you more $$ overall … love to help you out if we can! Yesterday we lodged an application for a customer who is going to save $32,000 in one year alone thanks to their refinance (they're moving to a smaller lender, CUA, and consolidating a bunch of personal debt).

  • dumkaze on 10/08/2018 - 10:02

    what bank ?

    • Associateduno home loans @ unohomeloans.com.au on 10/08/2018 - 10:50

      Hey there - this applies to all of the banks and lenders on our panel. That includes the big guys (CBA, Westpac, ANZ, NAB); the medium guys (BOQ, Suncorp, St George, etc) and smaller lenders like Pepper Money, Home Loans Ltd, etc. We have 23 lenders in total. :-)

  • ozbargainy on 10/08/2018 - 10:18

    hi op, currently on 3.54% pa variable for loan of approx. $280K, can you offer a better deal?

    • apu on 10/08/2018 - 10:19

      who gives you 3.54?

    • Associateduno home loans @ unohomeloans.com.au on 10/08/2018 - 11:00

      That's a really good deal you're on there! We don't have a headline rate as low as that on offer at the moment (BOS is currently 3.58%) … but when you incorporate fees and overall loan structure, we might be able to find you an option with a lower total cost. Want us to give you a quick call to talk through your options? If so, send us a direct message with your number and the best time… If not, you can have a play with our tech here and compare the monthly cost with your existing loan…

      https://unohomeloans.com.au/

      • dasher86 on 10/08/2018 - 11:33

        AFAIK BOS don't have additional fees except debit card annual fee.

        • SydOzber on 12/08/2018 - 20:35

          there's no debit card annual fee as well

  • STRAPIFY Watch Strap on 10/08/2018 - 10:33

    I've sent you a PM OP.

  • anonymoususer on 10/08/2018 - 10:57

    Buy Now….Cry Later!

  • cool_ice6 on 10/08/2018 - 11:01

    Unfortunately nothing for <250k :(

    • sharkfan12 on 10/08/2018 - 12:12
      +1

      Just borrow $250k and park what you dont need on the loan/offset account.

  • ak-km on 10/08/2018 - 11:09

    BOS is offering 3.58% BUT they will lend 70% of property value, meaning 30% has to be your saving. correct me if i am wrong.

  • knobbs on 10/08/2018 - 11:34

    I suppose the whole idea of 'refinancing' means you can't go through a broker to refinance your loan with the same bank?

    • Associateduno home loans @ unohomeloans.com.au on 10/08/2018 - 13:58

      Yeah that's right… but, we love a challenge.. so we'd love the chance to see if we can beat your current bank! Our advisors can negotiate on your behalf too. Send us a DM if you'd like us to help. :-)

  • Shoesy on 10/08/2018 - 16:18

    Do any of your providers take on company title securities? If so, what is the lowest rate?

    • Associateduno home loans @ unohomeloans.com.au on 10/08/2018 - 16:48

      Hey Shoesy - absolutely, we have several lenders who take on company title securities. The lowest rate really depends on your situation (size of the loan, the LVR, and sometimes the suburb that the property is in, your income, whether it's for investment or owner-occupied, and so forth).

      Most efficient way we can get you the answer is to capture some key details from you over the phone, and then identify the best interest rates that match your situation, and one of our advisers will then jump into the credit policies of each lender (starting with the cheapest and working back from there until we get to one that does company title securities - and therefore finding the cheapest option on our panel for your individual situation). We can start with just a 10 minute phone call. Feel free to either DM us with your phone number and a good time to call, or phone us on 133 866.

  • w3b3d1g1 on 10/08/2018 - 20:08
    +1

    Customer owned banks all the way. Best service and will beat most rates plus being good for communities.

  • tunzafun001 on 11/08/2018 - 11:34

    I've got 4 loans all bundled together from Pre OO / IL days. So I would like to split them up/ get my PPOR on a lower rate. Ultimately, I'm going to need 4 new valuations. This will be the biggest cost

    Dischg of current mortgage $500
    Reg morgtage/ Stamp Duty - $500
    Valuations $350 each x 4
    New loan setup fees ?

    So my question is, which lender has the best rebate / lowest valuation charges (perhaps 1 freebie etc)? (3 of the properties are non metro mining towns. postcode 5608. Other is a metro property 5020).

    Cheers

    • Associateduno home loans @ unohomeloans.com.au on 11/08/2018 - 13:00

      Sounds like you’ve got yourself a nice portfolio there - we’ll done! So, best interest rate will depend on some other factors like likely LVRs, total loan size and some other factors. Best thing to do for someone with a portfolio like yours is for one of our consultants to give you a quick buzz. Is there a time this weekend that suits you for a 15 min call? DM us your besr number if so.. would love to help you out!

  • ozshaz on 11/08/2018 - 14:59

    Hi OP I am after Investment IO Loan with 80% LVR. One of the banks have offered me 4.3% IO variable. No monthly fees or refinancing fees. Do you have anything better than that ?

    • Associateduno home loans @ unohomeloans.com.au on 11/08/2018 - 16:49

      That’s a pretty good deal you’re on - nice work. Depending on the property value and amount owing we might be able to beat it. Best thing is for one of our consultants to talk to you on the phone for 10 mins. DM us your mobile number and a time that suits either tomorrow or next week and we’ll make it happen!

      You can also plug your details into our tech at www.unohomeloans.com.au for some indicative rates…

    • Lunarboogie on 20/08/2018 - 21:24

      Care to share? I'm looking at buying an IP to rent out for 2 years before moving in and that deal looks sweet as bro.

    • leiiv on 15/09/2018 - 23:13

      Hi ozshaz, I am also after the lowest Investment IO variable rate. Can you tell me which bank gives you 4.3%? (can PM if needed)
      Please don't say that it is ING. Don't go with ING as they will increase that introductory rate over time and they will not give their existing customer the same rate as the one for new loans.

  • oliman on 16/08/2018 - 11:57

    Hi OP,

    I have 424k loan with commbank and want to refinance to the best possible interest rate.

    I am on variable 3.88 package rate. Happy to refinance to non package good variable rate.

    Do you think i can get something like 3.6% with cashback?

    Thanks

    • Associateduno home loans @ unohomeloans.com.au on 16/08/2018 - 18:10

      Hi Oliman

      We've got several options with a rate around the 3.6% mark. Even if the best option for your situation is a smaller lender that isn't offering their own cash back offer, our $1500 cash back offer would still apply if you got the application in by end of September. Best way for us to get this started for you is to give one of our guys a call on 133 866. We're open until 10pm every weeknight, and open 8am - 6pm on both Saturdays and Sundays.

      Otherwise, DM us with a preferred time for us to phone you and the best number to reach you on, and we'll get it cracking for you!

  • leiiv on 15/09/2018 - 23:31

    Hi OP, your web app is unusable on my Google Chrome Version 69.0.3497.92.
    Can you give me the best rate for Investment IO loan, variable rate, 400K balance, 80% LVR, with offset facility?

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