This was posted 2 years 1 month 17 days ago, and might be an out-dated deal.

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$4,000 Refinance Cashback (Mininum Loan $250,000 + LVR <=80%) @ ANZ

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$4,000 Refinance Cashback (Mininum Loan $250,000 + LVR <=80%) @ ANZ
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EmployeeRefinancerloans @ Refinancer Loans on 10/03/2022 - 11:30 anz.com.au (637 clicks)
Last edited 25/03/2022 - 13:50 by 2 other users

Hi OzBargain,

It's finally back!

ANZ have just advised us of their $4,000 refinance cashback deal. Effective 11/03/2022. They have increased the current cashback from $3,000 to $4,000. The minimum loan amount will be $250k, so this is a great way to secure a fantastic rebate if your loan is above this. It's also a great option for those who are currently with Westpac, St George, BOM.

Available Rates:

Owner Occupied Simplicity plus variable - 2.29% - (Comparison Rate 2.33%)
Owner Occupied P&I 2 Year Fix - 3.24% (Comparison Rate 3.59%)
Owner Occupied P&I 3 Year Fix - 3.74% (Comparison Rate 3.86%)

Investment Simplicity plus variable - 2.59% - (Comparison Rate 2.63%)
Investment P&I 2 Year Fix - 3.29% (Comparison Rate 3.64%)
Investment P&I 3 Year Fix - 3.79% (Comparison Rate 3.91%)

Investment Simplicity plus variable IO - 2.99% - (Comparison Rate 2.77%)
Investment IO 2 Year Fix - 3.49% (Comparison Rate 3.64%)

Fixed rates have obviously increased over the past few months and we are hearing whispers this trend will continue (please do your own research) For those with a larger loan you may want to consider a deal we have with Heritage.

On top of the ANZ offer, we are also providing an additional incentive to use our brokerage (offer calculated net of offset)

Fixed loans

$250,000 - $500,000 = $500
$500,000 - $750,000 = $750
$750,000 - $1,000,000 = $1,250

Variable loans

$250,000 - $500,000 = Free 'Marko Alessi' men's watch valued at $300.
$500,000 - $750,000 = $500
$750,000 - $1,000,000 = $1,000

Apply Here = https://www.refinancerloans.com.au/get-started/refinance

2021 Refinancer Pty Ltd. ABN 42 843 128 571 is a corporate credit representative 513 922 of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit License 391 237)

Financial Cashback Home Loan Rebate Refinance

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closed Comments

  • vr4indian on 10/03/2022 - 11:35

    May I know variable rates with offset?

    Also what timeframe we are looking for cashbacl to be paid after settlement?

    • EmployeeRefinancerloans @ Refinancer Loans on 10/03/2022 - 14:05

      Variable with offset on OO is around 2.99%, you can also use a 1 year fixed rate which also has an offset as well :)

      • lgacb08 on 10/03/2022 - 14:40

        If you don't intend to flip home loan around it'll be very expensive switch. For that 1% different in rate plus $400 annual fee on a $300,000 anz already slugs you with nearly $3500 in a year.

    • George Washington on 10/03/2022 - 14:05

      Timeframe is in the promo watch

  • fredblogs on 10/03/2022 - 12:09

    Why is it not a great option for those of us with CBA?

    • EmployeeRefinancerloans @ Refinancer Loans on 10/03/2022 - 14:06
      +1

      It's still a great option with CBA, I was just highlighting St George (they also have a good cashback that existing customers don't get) meaning if you are with them you wouldn't get their $4k cashback, but with ANZ you would

  • duodeta on 10/03/2022 - 12:11
    +3

    any deal for current ANZ home loan customers? thx

    • EmployeeRefinancerloans @ Refinancer Loans on 10/03/2022 - 14:06

      You would have to speak to them direct, but cashback is for new customers

  • yellowfever on 10/03/2022 - 12:44

    How many offsets can you have with this variable loan?

    And is this ANZ deal and better or worse than St George $4000 cashback deal?

    • ozbargainerlife1 on 10/03/2022 - 13:46

      St George has no establish fees?

      • EmployeeRefinancerloans @ Refinancer Loans on 10/03/2022 - 14:07

        I believe it's 1 offset with ANZ, it really depends, we also offer our promotion with the ST George as well, happy to chat to help you decide.

        • yellowfever on 10/03/2022 - 17:55

          only one offset account? that's not enough. St George has up to 99 offset accounts

          • EmployeeRefinancerloans @ Refinancer Loans on 11/03/2022 - 09:09

            @yellowfever: Some people may be fine with 1 offset account, some may not.

        • pikarlychu on 17/03/2022 - 16:11

          No offset on simplicity plus………

  • macr0hard on 10/03/2022 - 14:56

    is this available directly with them, or through brokers only?

    • EmployeeRefinancerloans @ Refinancer Loans on 10/03/2022 - 15:16

      I can only speak for brokers, but I would be very sure it's available direct as well. Given our additional incentives it would be a more lucrative transaction with a broker.

  • Trishool on 10/03/2022 - 15:31

    How good or bad are ANZ when it comes to passing on rate cuts?

    • EmployeeRefinancerloans @ Refinancer Loans on 11/03/2022 - 08:41

      Hate to be typical nerd with this answer but 'how long is a piece of string?'

  • El-Rhi on 11/03/2022 - 07:01

    Excellent, have been waiting for ANZ to increase their cashback to $4k!

    • EmployeeRefinancerloans @ Refinancer Loans on 11/03/2022 - 09:11

      It's a pretty good deal for the right person, I think people underestimate how solid $4,000, I mean how many hours of work does it take to save that :)

  • El-Rhi on 11/03/2022 - 07:06

    Fixed rates also have a $395 annual package fee

    Thought ANZ were removing package fees?

    • Sidor on 11/03/2022 - 07:38

      this.
      Received the letter that $395 fee will not be covering package anymore and I have to pay multiple annual fees from September. Time to ditch ANZ.

      • vr4indian on 11/03/2022 - 07:41

        Starting from September, many banks will remove 395 annual package fees.

        AFAIK, with ANZ to keep offset, need to pay $10 monthly fees.

      • El-Rhi on 11/03/2022 - 09:07

        I’m guessing it would disadvantage those with multiple home loans with offsets ($120 per year per loan) and a premium credit card which could be another $300-$400 per year

        • EmployeeRefinancerloans @ Refinancer Loans on 11/03/2022 - 09:14

          The annual fee is being completely removed for all customers, I believe there will be a monthly offset charge that is either $8 or $10 per month.

    • EmployeeRefinancerloans @ Refinancer Loans on 11/03/2022 - 09:14

      Yes apologies I have removed this, recent change and after 6 years of quoting it, it has become natural lol

  • Improved on 14/03/2022 - 15:01

    I refinanced from ANZ to St George in April 2021, would I be eligible to refinance back to ANZ and receive the $4k offer?

    • EmployeeRefinancerloans @ Refinancer Loans on 16/03/2022 - 08:46

      Hi. yes you would but under our brokerage we would only be keen to assist if you are staying with ANZ for over 12 months :)

  • lcer on 21/03/2022 - 13:59

    If you only have a small balance left on your loan (under 100k), can you refinance and borrow more in the process eg. borrow 500k for a house valued at 800k

  • renzhaj on 23/03/2022 - 22:21

    I was told that there could be some negative impact on personal credit score if refinancing home loan too often. may I know the proper frequency to do it? every two years? thanks

    • EmployeeRefinancerloans @ Refinancer Loans on 24/03/2022 - 11:35

      This question is something that cannot be answered. Everyone is different and we cannot predict how all lending institutions will perceive you. I would say certainly not more than a year but ideally every 2 years. This is general advice from what I have seen.

  • Doomedgrind on 25/03/2022 - 22:23

    How long does it typically take ANZ to pay the cash back after settlement? Thanks

  • El-Rhi on 26/03/2022 - 12:22

    Has ANZ ended the cashback or is the expired tag on the deal wrong?

  • macr0hard on 28/03/2022 - 11:35

    Just spoke to someone from Refinancerloans, they didn't mention anything about it being expired, not sure why this deal is marked as expired

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