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Bankwest Home Loans - Fixed 3.48% (CR 3.75%), Variable 3.68% (CR 3.79%) & up to $1,500 Cash Back @ Azura Financial

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Bankwest Home Loans - Fixed 3.48% (CR 3.75%), Variable 3.68% (CR 3.79%) & up to $1,500 Cash Back @ Azura Financial
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AssociatedLAzura Financial on 15/05/2019 - 09:29 azurafinancial.com.au (128 clicks)
Last edited 15/05/2019 - 16:24 by 2 other users

Bankwest Home Loan – ‘Under the table’ fixed & variable pricing!

Azura Financial is pleased to announce to the OzBargain community we have access to new promotional pricing from Bankwest which is not yet available to the broader market!

For an undisclosed period, Bankwest are offering the below fixed and variable rate specials under their Complete Home Loan Package

Owner occupied - Fixed

2 years fixed with P&I repayments – 3.68% (comparison 3.79%)
3 years fixed with P&I repayments – 3.48% (comparison 3.75%)
5 years fixed with P&I repayments – 3.99% (comparison 4.25%)

Owner occupied - Variable

< $500k Variable with P&I repayments – 3.72% (comparison 3.83%)
$500k+ Variable with P&I repayments – 3.68% (comparison 3.79%)

Investment - Fixed

2 years fixed with P&I repayments – 3.88% (comparison 4.08%)
3 years fixed with P&I repayments – 4.08% (comparison 4.12%)
5 years fixed with P&I repayments – 4.19% (comparison 4.17%)

Investment - Variable

< $500k Variable with P&I repayments – 4.18% (comparison 4.29%)
$500k+ Variable with P&I repayments – 3.99% (comparison 4.10%)

See below for the features and benefits of Bankwest Complete Home Loan Home Package

Bankwest – Complete Home Loan Package
  • $395 annual package fee
  • $220 Settlement fee
  • 100% Offset account with appropriate transaction cards with linked BSB and Account numbers
    - Up to 9 separate offset accounts
    - No monthly account keeping fees
  • No annual fee on Credit Card
    - Choice of 2 Qantas points linked Cards - http://www.bankwest.com.au/personal/home-loans/home-loan-pro…
  • Unlimited amount of Loan Splits
  • Free online redraws and use of all Commonwealth Bank ATM’s across Australia

In addition to these promotional rates, Azura Financial is happy to offer the below cash back rebates to help cover a portion of your switching costs:

< $500k = $500
< $1m = $1,000
< $1.5m = $1,500

To take advantage of this promotional offer, which we expect to only be available for a short period of time, please email [email protected] with your contact details and a broker will be in touch. Alternatively you can contact us directly on 02 8377 3933

Promotional offer qualifying criteria:
  • Maximum LVR 80%
  • Self employed and sole traders are eligible
  • Establishment fee waived as part of the members package for the first year
  • Valuation fee waived as part of members package
  • Credit card and offset account included as part of members package
  • Minimum loan size $150,000

If you don’t meet the Bankwest qualifying criteria we are still happy to review your scenario and honour our cashback offer

About Us

Azura Financial is an independent mortgage brokerage based in Double Bay, Sydney. We specialise in residential and commercial mortgages and have a team of 9 highly qualified brokers ready to handle all your financing requirements.

For more information please refer to our website – www.azurafinancial.com.au

Disclaimer

The information provided is indicative only based on the partial information provided, does not constitute a formal loan approval and is subject to a formal assessment. If you proceed with my services, I will review your complete financial position to determine if this product offering is suited to you.
Authorised credit representative 494569 of Connective Credit Services Pty Ltd Australian Credit Licence Number 3889328.

Financial Cashback Home Loan Investment Loan Lending Mortgage Broker Rebate Refinance

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closed Comments

  • [Deactivated] on 15/05/2019 - 09:34
    +5

    Marketing, not a deal.

    Been told by a friend recently on Suncorp deals
    - OO var P+I 3.74% with 1500$ cashback
    - Inv i only 3 yr ficed 3.64

    • YLD1 on 15/05/2019 - 09:49

      I thought it was 3.69% for OO

      I know as I'm about to apply

      • Store RepNick-AzuraFinancial @ Azura Financial on 15/05/2019 - 10:55

        Hi YLD1,

        If you were looking for a sharp interest rate I would highly recommend looking at the 3 Year Fixed Product. At 3.48% this rate is highly competitive and one of the sharpest in the market.

        Kind Regards,
        Nick

        • YLD1 on 15/05/2019 - 11:54

          Why would I want to look at a 3 year fixed rate
          everyone knows that a rate cut is coming in, maybe even 2 rate cuts

          Suncorp has 3.69%
          if a rate cut of 0.25% comes and suncorp passes 0.20% i'm looking at 3.49% variable

          If a second rate cut comes i'm even in a better position

          these 3 year fixed rates are total BS
          offer a discount rate of more than 0.25% and make me want to think about it

    • suburbanmale on 15/05/2019 - 09:50
      +5

      Are you paying by the letter?

      • Store RepNick-AzuraFinancial @ Azura Financial on 15/05/2019 - 11:49
        -1

        Hi Suburbanmale,

        Could you please confirm what you mean here?

        Kind Regards,
        Nick

        • suburbanmale on 15/05/2019 - 21:30

          Lol. Don't worry, wasn't directed at the deal

    • AssociatedAzura Financial @ Azura Financial on 15/05/2019 - 09:53

      Hi Google, just FYI the Suncorp fixed rates quoted can't be used in conjunction with the cash back rebate.

      • [Deactivated] on 15/05/2019 - 11:02

        Yes. Hence I did not put it into the same sentence.

      • [Deactivated] on 15/05/2019 - 11:04

        So Azur will offer additional cashback on top of Suncorps 1500?

        • Store RepNick-AzuraFinancial @ Azura Financial on 15/05/2019 - 11:16

          Hi GoogleYahoo69,

          Unfortunately Suncorp Banks recent rate decrease does not have any cashback rebates on offer with these products.

          If there is an existing cashback we will offer ours on top.

          Kind Regards,
          Nick

  • bossmode on 15/05/2019 - 09:34
    +1

    ( ͡° ͜ʖ ͡°)

  • DJR9000 on 15/05/2019 - 09:36
    +2

    Just took the time to switch our loan away from Bankwest, not going back. We really had to push them quite often to get them to offer competitive rates and not grandfather the products we were on to sneakily raise rates.

    • Shikha966 on 15/05/2019 - 09:39

      I switched from bankwest too. Worst experience.

    • [Deactivated] on 15/05/2019 - 09:39

      Just like all banks, they milk their loyal customers that doesnt lime to move, either lazy, nit aware, or dont want to pay all fees associated with switching.

      AU should learn from other developed countries and off loans pegged to the benchmark rate. Ie BBSW + x.xx%. Will make the comparison process easier.

      • AssociatedAzura Financial @ Azura Financial on 15/05/2019 - 09:46

        Hi there, sorry to hear about your experience with Bankwest, that does sound out of the ordinary. In 2019 Bankwest scored 78% customer satisfaction, which was actually the 5th highest ranking bank in the country. Feel free to reach out if you would like to discuss this further.

    • psyren89 on 15/05/2019 - 10:39

      Also recently switched away from WankBest.

      • Store RepNick-AzuraFinancial @ Azura Financial on 15/05/2019 - 10:44

        Hi psyren89,

        Sorry to hear about your negative experience with 'Bankwest'

        If you'd be interested in reviewing your lending at any time please feel free to reach out.

        We work with over 35 other lenders and will find a product best suited to you.

        Kind Regards,
        Nick

  • R1ngSt1nger on 15/05/2019 - 09:45

    Does BankWest loan to Walkerville, Vic postcode 3956?

    • AssociatedAzura Financial @ Azura Financial on 15/05/2019 - 09:50
      +1

      Hi Savage, just confirmed with the Bank, there are no restrictions on this postcode.

      • R1ngSt1nger on 15/05/2019 - 15:18

        Thanks for that, much appreciated!

  • amanda89 on 15/05/2019 - 09:50
    +1

    Why would you use a bank lender as opposed to non bank like loans.com.au

    • arctan on 15/05/2019 - 10:13

      Loans.com.au is an online broker right? Are they good to deal with? I had bad experience with ubank.

    • Store RepNick-AzuraFinancial @ Azura Financial on 15/05/2019 - 10:15

      Hi Amanda89,

      This post on OzBargains is merely an advertisement for one of the most competitive interest rates in the current lending market.

      As mentioned in the offer description we are offering a generous and exclusive cashback rebate for using our complimentary service.

      Here at Azura Financial we work on behalf of about 35 lenders and guide our clients through various mortgage options and help you compare rates, fees and features. We will assist you through every step of the home loan process and will ultimately connect you with a bank or non-bank mortgage lender depending on what you are looking for.

      We look forward to hearing from you soon.

      Kind Regards,
      Nick

  • Malarkey on 15/05/2019 - 10:13
    +1

    Advertising, not a deal

    • Store RepNick-AzuraFinancial @ Azura Financial on 15/05/2019 - 10:27

      Hi Malarkey,

      Here at Azura Financial we work on behalf of over 35 lenders and ensure our clients are always on the most competitive interest rates at the time of their application.

      As mentioned in the offer description we are offering a generous and exclusive cashback rebate for using our complimentary service.

      Kind Regards,
      Nick

  • arctan on 15/05/2019 - 10:14

    What is the rate for interest only loans?

    • Store RepNick-AzuraFinancial @ Azura Financial on 15/05/2019 - 10:24

      Hi Arctan,

      We are currently negotiating from:
      - 3.84% for Owner Occupied lending
      - 3.49% for Investment lending

      Look forward to hearing from you soon.

      Kind Regards,
      Nick

      • incipient on 15/05/2019 - 10:49

        My understanding is that interest only loans, for most consumer lending, is going the way of the dinosaur? Do you provide any/many interest only loans?

        • Store RepNick-AzuraFinancial @ Azura Financial on 15/05/2019 - 10:52

          Hi Incipient,

          Amongst our panel of 35 lenders we still work with a handful of lenders that offer Interest Only repayments.

          Kind Regards,
          Nick

  • justtoreply on 15/05/2019 - 10:18

    ..What is a deal at the moment from big 4 & other banks?

    (big 4 is CBA/Westpac/ANZ/NAB)

    • Store RepNick-AzuraFinancial @ Azura Financial on 15/05/2019 - 10:21

      Hi Justtoreply,

      There are plenty of deals for the Big 4 Banks at the moment. Rebates of up to $2,000 are on offer.

      Kind Regards,
      Nick

      • [Deactivated] on 15/05/2019 - 11:03

        ANZ doing 2500

      • justtoreply on 15/05/2019 - 11:59

        The rebate is not a big deal. I'm talking the variable rate. Assuming P&I with offset.

        • Store RepNick-AzuraFinancial @ Azura Financial on 15/05/2019 - 12:08

          Hi Justtoreply,

          Sorry for the misunderstanding.

          Please see variable rates below for products with an offset and P&I repayments:
          Owner Occupied - 3.64%
          Investment - 3.89%

          Kind Regards,
          Nick

  • dtrinh on 15/05/2019 - 10:55

    So where are people moving to instead of UBank and bankwest?

    • DJR9000 on 15/05/2019 - 11:03

      personally, CUA.

      • Store RepNick-AzuraFinancial @ Azura Financial on 15/05/2019 - 11:07

        Hi dtrinh,

        Seeing as there is no bias as to which lender we recommend this is a hard question to answer.

        Every week we submit dozens of applications through the big 4 banks, majority of tier 2 lenders and a hand full of credit union and non bank lenders.

        Kind Regards,
        Nick

    • OldBugger on 18/05/2019 - 16:42

      TicToc - https://www.ozbargain.com.au/node/455595

  • taw on 16/05/2019 - 21:58

    I have just moved from Bankwest to UBank today. My LVR was below 80% but Bankwest increase the rate from 3.8% to 4% after 6 months. When I called them and asked to lower it to their 3.8% product I was told I have to apply as a new customer.
    Took their advise and applied as new customer with UBank for 3.59%. Loan settled in less than a month.
    Not going back to Bankwest again.

    • taw on 16/05/2019 - 22:00

      Bankwest was also charging me $400 annual fee which UBank is not. But there is no offset in UBank. Since I didn't have a large amount in offset it didn't make sense to pay $400 for it.

  • Store RepNick-AzuraFinancial @ Azura Financial on 17/05/2019 - 09:02

    Hi Taw,

    Here at Azura we work with just over 35 lenders in order to find the sharpest rate and product for you.

    We are negotiating from variable rates as low as 3.59% for products with a 100% offset an no annual fee.

    Feel free to touch base in the future as we would love to be of assistance to you.

    Kind Regards,
    Nick

    • taw on 17/05/2019 - 23:42
      +1

      Thanks Nick. Will get in touch next time I decide to refinance.

  • Store RepNick-AzuraFinancial @ Azura Financial on 20/05/2019 - 10:17

    Hi Taw,

    Looking forward to it!

    Kind Regards,

    Nick
    0422 699 383

  • Help on 27/05/2019 - 23:03

    Any interest only investment loans?

    • AssociatedAzura Financial @ Azura Financial on 28/05/2019 - 08:25

      Hi Help, Bankwest's investment interest only rates are't that competitive ~4.44% variable with IO repayments.

      However with Suncorp we can secure 3 yr fixed interest only at 3.64% ! If you wanted investment variable interest only, we have rates starting from 4.09% with an offset account.

      Get in touch if you want further information regarding these products.

      Max

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