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$2000 Cashback on Loans over $1 Million @ Joshfs

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$2000 Cashback on Loans over $1 Million @ Joshfs
Go to Deal
AssociatedLJassie Singh on 06/04/2020 - 12:23 joshfs.com.au (208 clicks)
Last edited 08/04/2020 - 19:00 by 1 other user

One of the lowest rates from a major bank.
ANZ fixed rates (under Break Free package $395 annual fee applies.

Owner Occupied Loans

2.19% (CR 4.00%) fixed 2 years owner-occupied P&I Repayments
2.29% (CR 3.89%) fixed 3 years owner-occupied P&I Repayments

Investment Loans

2.49% (CR 4.53%) fixed 2 year investor P&I Repayments
2.69% (CR 4.55%) fixed 2 year investor IO Repayments
2.49% (CR 4.37%) fixed 3 year P&I Repayments
2.69% (CR 4.40%) fixed 2 year investor IO Repayments

ANZ Breakfree package includes offset account, multiple loans, credit card. Annual fee $395

In addition, you will receive $4000 Cashback for a loan over 250K and $1000 for loans between 150-250K (from ANZ)

Terms and conditions:

Refinance Component: Must include an OFI Home/Residential Investment Loan
Maximum Number of Cashback Payments: 1 per customer within any 12-month period
This switching cashback offer is not available in conjunction with any other advertised switching offers (but is available in conjunction with any special interest rates discounts available to the customer)

Eligible Home Loans

ANZ Standard Variable Rate Loan
ANZ Fixed Rate Loan
ANZ Simplicity PLUS Loan
ANZ loan product which permits a borrower to draw down credit progressively for the purchase and/or construction of a property or a home
ANZ bridging loan
Cash Back Account: Must be an ANZ Transaction Account (cannot be OFI/Cheque)

Ineligible Home Loans

Equity Manager
Other lines of Credit

Other Exclusions

Non-Credit Critical (NCC) Applications
**Internal ANZ Refinances (e.g. New Loan containing the same borrower(s)) **
**Credit Cards and Personal Loans

Eligibility criteria

1.Loan applications must be submitted between 9 March 2020 and 31 May 2020.
2.Loans must be drawn down by 30 September 2020.

$2000 cashback from Broker is for loans over one million.
$1500 cashback from Broker is for loans between 750K and one million.
$1000 for loans between 500K to 750K.

Call 1300 537 000 for more information

Or Visit www.joshfs.com.au
Jassie Singh
Director
Josh Financial Services (ACL 390176)
Mobile 0400 288 799

Financial Home Loan

Related Stores

Josh Financial Services
Josh Financial Services
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closed Comments

  • xyron on 06/04/2020 - 12:24
    +1

    Great if you've still got a job to pass the income tests. This fact alone will encourage existing loan providers to (profanity) us, because they know many of us aren't in a position to churn at the moment…

    • sghetti on 06/04/2020 - 13:20

      The other issue is industries/job types that have now been flagged as "high risk". There's a higher level of scrutiny on employment types that will suffer during this period and you'll need to provide sufficient evidence of a backup/plan in the case you lose your job.

      • xyron on 06/04/2020 - 13:21

        Thankfully my partner is still working but with half the income we had when we applied for the loan, I don't like my chances of getting a refinance approved right now.

  • Willyslicks on 06/04/2020 - 12:25
    -4

    4% CR? Paaasss

  • AL008 on 06/04/2020 - 12:28
    +1

    So I guess the extra $2k comes down to loans with over $1m.

    $2000 cashback from Broker is for loans over one million. Call us if you have a lower amount.

    I would say that is a minority of us on Ozbargain…

    • AssociatedJassie Singh @ Josh Financial Services on 06/04/2020 - 12:29

      Happy to do a deal with lower loan amount

      • Shibuya on 06/04/2020 - 12:39

        How about a more realistic amount like $500K loan? What's the broker cashback?

        • MrApFc on 06/04/2020 - 12:47

          This

      • Indomietable on 06/04/2020 - 12:57
        -1

        Happy to do a deal with lower loan amount

        Well… Why don't you say the actual lowest amount? It's frustrating having to haggle.

        • SBOB on 06/04/2020 - 13:16

          It's frustrating having to haggle

          <insert "Life of Brian" haggle section>

          :)

  • zhfs on 06/04/2020 - 12:29
    +6

    In addition, you will receive $4000K Cashback for a loan over 250K and $1000 for loans between 150-250K (from ANZ)

    4000K

    Really?

      • onetwothreefour on 06/04/2020 - 12:33

        I think you mean either $4k or $4,000.

      • mrshorty on 06/04/2020 - 12:35

        u might want to take the "K" off so its 4000 or 4K (im assuming)

      • hongerwonger on 06/04/2020 - 12:41
        +22

        too late, they said yes. signing up to get my $4,000,000 cashback on my $600,000 refinance

        • AirbusA389 on 06/04/2020 - 12:45
          +1

          My lawyers will be in touch. We expect $4 million AUD cashback to be paid to me on my $300,000 refinance.

          i'm sharing that $4 million cashback on a 50-50 basis with my lawyers to give them some motivation.

          • UFO on 06/04/2020 - 12:49

            @AirbusA389: Will you settle out of court for half :) ?

            • AirbusA389 on 06/04/2020 - 12:51

              @UFO: Would my lawyers settle for 1 million AUD instead of 2 million AUD?

              I can hire you to talk to my lawyers for 500k. You have to convince my lawyers to settle for 1 million AUD. I'll keep the rest. =)

      • Powls on 07/04/2020 - 16:30
        +1

        I really wouldn’t want to deal with someone who makes that kind of mistake with finances.

    • SBOB on 06/04/2020 - 12:39
      +11

      I take all my financial and loan advice from people who can't write finance figures correctly…

  • GePees on 06/04/2020 - 12:29

    What's the hack is the CASHHACK? It looks like CASHBACK :)

  • Garyd123 on 06/04/2020 - 12:29
    +5

    $4000k cashback wow

  • Numpty21 on 06/04/2020 - 12:29
    +1

    $2000 cashback from Broker is for loans over one million.
    Pass, essentially a duplicate post

  • XC3LL on 06/04/2020 - 12:36
    +2

    Mortgage broker who post on ozbargain must be bad or desperate for business lol

    • mortgagebroker on 06/04/2020 - 14:06
      +2

      I post on here, just here to help lol. Never offered a cashback deal.
      These cashback posts are getting old though.

  • bargain-lover007 on 06/04/2020 - 12:39
    +1

    OP, whats the ongoing CR for P+I, OO, variable interest rate ?

    • AssociatedJassie Singh @ Josh Financial Services on 06/04/2020 - 12:55
      +1

      Depends on the loan amount and LVR and we can get custom pricing

      • bargain-lover007 on 06/04/2020 - 13:19

        around 80% LVR, 450k lending. Approx figures will do.

  • dbglt on 06/04/2020 - 12:40

    Why don't you give some prices on broker rebate under 1 mil? None of this "contact us" rubbish.

    • AssociatedJassie Singh @ Josh Financial Services on 06/04/2020 - 12:54
      +1

      done

  • batrarobin on 06/04/2020 - 12:53

    OP, please let us know the going rate for:

    Variable investor P&I
    Variable investor IO

    70% LVR, $300k lending.

  • fenric on 06/04/2020 - 13:03
    +1

    If you are taking out a $1 Million + loan to buy property in the current market uncertainty, then you are a certified madman.

  • Jonesy114 on 06/04/2020 - 13:03

    No thanks. The comparison rate is way too high at over 4 percent.

  • dm01 on 06/04/2020 - 13:04

    Would they do a credit check for this? Asking for a friend…

    • AssociatedJassie Singh @ Josh Financial Services on 06/04/2020 - 13:07

      Yes 100%

      • dm01 on 06/04/2020 - 13:14
        -2

        My friend says there are 48 rolls of Quilton Gold TP in it for you if you can just skip that part of the application. And half a litre of 70% isopropyl rich hand sanitiser, just to seal the deal. Whaddya say?

  • temporiser on 06/04/2020 - 13:19

    What is the best rate and cash back amount for interest only loans with 90% LVR with one loan amount $1.3m and the other $0.4m?

    • AssociatedJassie Singh @ Josh Financial Services on 06/04/2020 - 13:30

      Both Investment?

    • tehlee on 06/04/2020 - 14:39

      Most banks won't refinance investment I/O debt over 80% LVR - especially in this climate.

      • AssociatedJassie Singh @ Josh Financial Services on 06/04/2020 - 14:57

        One major is still doing it and I would not suggest refinancing over 80% as you will have to pay LMI again ( unless you are a medico)

        • tehlee on 06/04/2020 - 15:12

          Which BIG4 is still doing LMI waivers?

  • vstratosphere on 06/04/2020 - 13:24
    +4

    Thanks bought 5

  • thydzik on 06/04/2020 - 13:41

    what variable rates have you been getting for P&I OO?

    • AssociatedJassie Singh @ Josh Financial Services on 06/04/2020 - 14:46

      depends on the loan amount and LVR.

      • thydzik on 06/04/2020 - 14:50

        $800k, 80%LVR

        • AssociatedJassie Singh @ Josh Financial Services on 06/04/2020 - 14:56

          2.64% PI from Another Lender and no cashback.
          2.84% from ANZ

  • hippo2s on 06/04/2020 - 13:51

    Sounds like an ad to me..

  • darque on 06/04/2020 - 14:16

    And I thought 1% ebay cashrewards was bad…

  • Manny Calavera on 06/04/2020 - 14:22
    +1

    If it’s a million dollar loan, are you still a millionaire?

    • donga100 on 06/04/2020 - 15:18

      You will be in 30 years once it's paid off.

    • Wardaddy on 06/04/2020 - 17:38

      No, just a debtor.

  • Bargainlife on 06/04/2020 - 17:40
    -2

    i must be the only one who finds it hilarious that people on ozbargain have million dollar loans

    • AssociatedJassie Singh @ Josh Financial Services on 10/04/2020 - 16:21

      Nope

  • deanwan on 06/04/2020 - 18:11

    What are the variable rates for both home and investments for under and above $1m borrowings?

    • AssociatedJassie Singh @ Josh Financial Services on 10/04/2020 - 16:21

      Around 2.82% for OO and 3.20% Investment ( subject to pricing approval from the lender)

  • Chardon on 06/04/2020 - 23:57

    What’s the broker commission on this?

    • AssociatedJassie Singh @ Josh Financial Services on 10/04/2020 - 16:19

      It will be disclosed one you apply for a loan.

  • nickskewl on 09/04/2020 - 18:47

    So would it be right to say if I have a primary home and a investment home then I get $4k for each plus the total debt or loan amount is more than $1M then additional $2k, All up $10k.
    If you say yes then expect a phone call soon from me!!!

    • AssociatedJassie Singh @ Josh Financial Services on 10/04/2020 - 16:19

      4K from lender and 2K from us total 6K.

      • nickskewl on 10/04/2020 - 19:39

        Thanks. Re-cofirming:
        Primary Home: Borrowing $900k LVR65%
        Investment: Borrowing $300k LVR60%

        Shouldn't it be $4k for primary, $4k for Investment and $2k for overall finance > $1M.

        • AssociatedJassie Singh @ Josh Financial Services on 12/04/2020 - 08:18
          +1

          4K form Lender is per Customer not per property. Unless you would like to take one loan to NAB and One to ANZ then you will get 4K each.

  • AssociatedJassie Singh @ Josh Financial Services on 12/04/2020 - 08:17

    NA

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