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ANZ Owner Occupied 2.29% Variable Home Loan + $4000 ANZ Cashback & up to $3000 Broker Rebate @ ANZ

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ANZ Owner Occupied 2.29% Variable Home Loan + $4000 ANZ Cashback & up to $3000 Broker Rebate @ ANZ
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AssociatedWilson Heroes HL @ Heroes Home Loans on 05/04/2022 - 10:37 anz.com.au (381 clicks)
Last edited 20/05/2022 - 11:47 by 1 other user

Hello All Ozbargainers

ANZ has new offer for the Simplicity Loan variable rate and offering an $4000 Cashback on all refinances for owner occupied and investments

Principal and Interest Owner Occupied HOME LOAN
Variable - 2.29% (CPR 2.30%) FOR LVR <80%
1 year fixed - 2.99% (CPR 2.99%) FOR LVR <80%
2 year fixed - 3.39% (CPR 3.06%) FOR LVR <80%

Principal and Interest INVESTMENT HOME LOAN
Variable - 2.59% (CPR 2.59%) FOR LVR <80%
1 year fixed - 3.19% (CPR 3.56%) FOR LVR <80%
2 year fixed - 3.59% (CPR 3.59%) FOR LVR <80%

Apply by 29th April 2022, and settle by 31th July 2022. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR up to 80%. $250k min loan. Only one $4K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within ANZ. Please find attached terms and condition.

We also offer the following product as well

Citibank - 1.99% variable for Owner Occupied up to $6000 cashback
ING - 2.09% variable rate for Owner Occupied up to $3000 cashback
Suncorp - 2.02% variable rate for Owner Occupied up to $3000 cashback

Heroes Home Loans are also providing an additional incentive broker rebate if user our service (note this applies to all products). The offer valid 30/06/2022, we give a cash rebate of loan size (net at drawdown) for any bank or product, only applicable via broker. Cash Rebate is paid 50/50 after 1 month and 18 month of settlement. if you refinance after 12 months but still use our service for the refinance you will still receive the second payment. Please find attached terms and conditions.

Loan Amount Rebate
$250,000 $500
$500,000 $1,000
$750,000 $1,500
$1,000,000 $2,000
$1,500,000 $3,000

Please feel free to email me at [email protected] or text/call me on 0479107213 and I would be happy to answer all finance related questions.

Wilson Yuan
Managing Director
Credit Representative Number is 530101 under Australia's Services Australian Credit License (ACL) 389328 © 2021 HEROES HOME LOANS AUSTRALIA PTY LTD

Financial Cashback Home Loan Investment Loan Rebate Refinance

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closed Comments

  • Carrian on 05/04/2022 - 10:46

    is this refinance only? I'm signing up for a mortgage with ANZ this week for my first home.

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/04/2022 - 11:25

      Hey Carrian, the ANZ cashback is only for refinance but there are other lenders out there that offer cashback for purchase (for example Citibank does offer up to $6000). The broker rebate applies to purchase and refinances.

  • Gary Gary Gary on 05/04/2022 - 10:51
    +2

    Worst of the big 4 - Switched to ANZ last time on a similar deal - terrible app, my accounts don't support payid, branches are useless at basic requests.

    Swapping out of ANZ in the next month, search elsewhere.

    • fredblogs on 05/04/2022 - 11:00

      this is true, ANZ worst, CBA best

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/04/2022 - 11:27

      Hey Gary,
      Sorry to hear about your bad experience, we do have access to 45 different lenders including the majors. More than happy to help you find a better deal in the market, please feel free to email me at [email protected] or text/call me on 0479107213.

      Wilson

    • howieyo on 05/04/2022 - 21:55

      Transfers take forever. Their processes are messed up too. Often you find yourself trying to get ahold of them to find out what's happening with your application. Then realise they messed something up. Weeks later they'll finally finalise it all.

      • AssociatedWilson Heroes HL @ Heroes Home Loans on 06/04/2022 - 08:35

        Hi Howieyo

        That's why you get a mortgage broker so they deal with it instead of yourself.

    • Calvin27 on 11/04/2022 - 21:23

      No one chooses the big banks for best service and rates. Get the cashback then switch.

  • fredblogs on 05/04/2022 - 11:00

    no offset?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/04/2022 - 11:28

      Hi Fred

      There's a product with offset, but it's recommend to contact us for pricing as we can offer a discount on the standard offset rate that is seen on ANZ website

      Warm Regards
      Wilson

  • CR-7 on 05/04/2022 - 11:22

    Fixed rates are increasing dramatically!!
    Is there any banks with good fixed rates?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/04/2022 - 11:29

      Hi CR7

      Yes there are quite a few out there,

      Please feel free to email me at [email protected] or text/call me on 0479107213, so we can find you some great deals.

      Warm Regards

  • autonomate on 05/04/2022 - 11:37

    This is pretty competitive for larger variable loans. bcu, Citi and Reduce Home Loans all offer $5000 cashbacks. Citi is even offering $6K on OO principal 80% LVR variable loans above $350K.

    CSV of rates: https://www.ozbargain.com.au/node/653711

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/04/2022 - 11:39

      Thanks for your feedback,

      We do offer up to 45 different lenders, including Citibank plus we offer up to $3000 cashback on top of Citibank offer of $6000 cashback,

  • hopper on 05/04/2022 - 12:17

    Worst app compared to CBA

  • Frozensage on 05/04/2022 - 14:33

    Swapped to westpac last year got 3k cash back. 4K sounds like a much better deal to switch back out again. Does the broker lose their commission ?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/04/2022 - 14:35

      Hi Frozen, would depend what date you switch over. If's more than a year ago, the broker would still make money on the deal.

  • SirFlibbled on 05/04/2022 - 15:23
    +1

    It wasn't long ago that fixing for 2 years was the cheapest way to go.

  • Just Invest on 05/04/2022 - 17:38

    Normally Broker will get paid about 0.715 % upfront of the loan amount, For this instance of 1.0m$ loan broker will earn $7,150 per loan settled so broker is returning about 28% back.

    Also broker will get paid trail commission for the rest of the loan period 0.165 % per annum paid monthly.

    If you are a first home buyer with low debt and enough cash to pay for 20% deposit and your salary is high enough to get a servicing of the loan, I would suggest ask for more brokers cash back from a broker 😄

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/04/2022 - 18:42
      +1

      Hi Just Invest

      Thank you for input.

      I think there are fews things that you're missing with the calculation

      For example you forgot to include the GST component (minus 10% of that amount), rent, license fees, operating cost and time involved with compiling the application (submitting, deal with credit and settlement, conveyancer. You also forget that we have access to better pricing and have experience dealing with the hurdles that are involved with banks assessing the application in a climate where there lending rules are at it's tightest

      Let me ask you a question, would you work for someone for free? If not why not? Because at the end of the day you have to make a living and you have bills to pay. You have to support your partner and children that are relying on you.

      I think what I offer is generous as majority of broker don't offer this at all. In fact some brokers charge their client fees for the service.

  • Kammi on 05/04/2022 - 19:35

    My ANZ 1yr fixed+offset is coming to an end in October, any advice?

    Not sure how Simplicity changes things, even with things like BreakFree changes, can you advise?

    2.29% + $4k vs. 2.19% via ANZ direct I'll need to do math.

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/04/2022 - 19:40
      +1

      Hi Kammi, unfortunately the 4K offer is only offer to new customers to ANZ

      It would be best to consider refinance to Citibank (up to 6K cashback) or St George (4K cashback)

      Please feel free to email me at [email protected] or text/call me on 0479107213, to have a chat..

      Warm Regards

  • macr0hard on 05/04/2022 - 20:22

    Too bad if you posted this earlier I would’ve done through you guys, your extra cashback is higher than the one I went with

  • Blackwaves on 07/04/2022 - 08:19

    Hi Wilson. I couldn’t see the $4k rebate being mentioned on the ANZ website. Can you please clarify? Thanks.

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 07/04/2022 - 09:50

      Hi Blackwaves,

      I think they haven't update their website, but I have confirm with business manager at ANZ that there 4K cashback is still on offer.

      Please find the terms and condition here - https://drive.google.com/file/d/1MrnSbGk-AGoGSSzHyy0yJ1TnRD8…. Most likely it will only last until the end of month, where it will reduce back to 3K.

      Please feel free to email me at [email protected] or text/call me on 0479107213, to have a chat..

      Warm Regards

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