This was posted 10 months ago, and might be an out-dated deal.

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Connective Essentials Home Loan (by NAB) Fixed Rate from 5.39% (CR 5.64%, Owner Occupied P&I 3-Year) @ Connective Home Loans

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Connective Essentials Home Loan (by NAB) Fixed Rate from 5.39% (CR 5.64%, Owner Occupied P&I 3-Year) @ Connective Home Loans
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AssociatedWilson Heroes HL @ Heroes Home Loans on 28/06/2023 - 14:28 connectivehomeloans.com.au (263 clicks)
Last edited 02/08/2023 - 17:11 by 2 other users

Hello All Ozbargainers

Please note these are the latest rates including the June rate increase. Please note that we expect these fixed rates to increase this week so we will need to lodged this application ASAP (preferably before next Monday)

Current Variable Rates:
Owner Occupied (redraw only):
• P&I Variable 70% LVR - 5.64% (Comp Rate: 5.69%)
• P&I Variable 80% LVR - 5.69% (Comp Rate: 5.69%)

Investment: (redraw only)
• P&I Variable 70% LVR - 5.89% (Comp Rate: 5.99%)
• P&I Variable 80% LVR - 5.99% (Comp Rate: 5.99%)

Fees applicable
**Application fee - $395 **

If you wish to rate lock for any fixed products it will only cost $395

Please feel free to email me at [email protected] or text/call me on 0477 200 670 and I would be happy to answer all finance related questions.

Wilson Yuan
Managing Director
M : 0477 200 670
E : [email protected]
W: www.heroeshomeloans.com.au

ABN 17 654 630 529 | Certified MFAA Member 230928 | Australian Credit Licence number 389328 | Credit Representative’s number 530101
http://heroeshomeloans.com.au/

Loans that quote an interest rate must include a comparison rate (CR) in the title or description. Loans without accompanying CR removed. — Mod

Financial Home Loan Refinance

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closed Comments

  • serpserpserp on 28/06/2023 - 14:36

    Not great for WBC. As a current customer you can get 5.54% on variable with no fees plus offset

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 28/06/2023 - 14:43

      They increase their rates last week

    • Pub Envelope on 28/06/2023 - 16:36

      Is this Owner Occupied or Investment?

  • Archaleas on 28/06/2023 - 14:45

    Thoughts on ING? I am actually in the process of switching to them

    • Shunter86 on 28/06/2023 - 14:53
      +1

      I'm off them now myself, haha. Between Monday and Tuesday they hiked their rates by 0.5%
      They were very good for us for a while, but now I think they're aligning their rates closer to the big banks. My wife and I decided on Monday night we'd stick with them for 3 years at 5.69, then on Tuesday morning I called and that had jumped to 6.19. Unfortunate timing, but still, 0.5% just felt greedy.

      This is just generalised advice of course from someone having a whinge, but if you see a loan product from them that suits you, then go for it.

      • Archaleas on 28/06/2023 - 16:07

        Very unfortunate timing! Thanks for the heads up, thinking I might put a pause on the process and stick with ANZ @ 6.04

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 28/06/2023 - 14:56

      Not bad, but there are some other better options like Westpac, St George or ANZ. Please feel free to email me at [email protected] or text/call me on 0477 200 670 and I would be happy to answer all finance related questions.

      • Archaleas on 28/06/2023 - 16:06

        Currently with ANZ but was offered option to switch to ING by broker. In the process now, maybe I should cancel?

        Was looking at Bendigo bank also but no bonus

        • AssociatedWilson Heroes HL @ Heroes Home Loans on 28/06/2023 - 16:34

          Call me on 0477 200 670. Happy to offer a second opinion

  • johnnytran on 28/06/2023 - 15:27

    With NAB atm 5.99 with offset. Are there any lower with offset?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 28/06/2023 - 15:29

      What's the value of the property and the loan size? Is this owner occupied or investment?

      • Loki556 on 28/06/2023 - 15:37

        Also interest in St George rates for the following scenario -

        Variable with offset account:

        Owner occupied
        Value: $1mil
        Loan: $670k

        • AssociatedWilson Heroes HL @ Heroes Home Loans on 29/06/2023 - 09:33

          5.79% with Macquarie
          5.84% with St George (potentially can get extra 5-10 bps off) + $4000 offer until the end of this month
          5.84% with Westpac (potentially can get extra 5-10 bps off) + $4000 offer until the end of this month
          5.94% with ING + $3000 offer until the end of this month

          Please feel free to email me at [email protected] or text/call me on 0477 200 670 and I would be happy to answer all finance related questions.

      • johnnytran on 28/06/2023 - 15:59

        Loan 320k <70 LVR

        • AssociatedWilson Heroes HL @ Heroes Home Loans on 28/06/2023 - 16:02

          Owner occupied or Investment?

          • johnnytran on 28/06/2023 - 16:20

            @Wilson Heroes HL: Sorry, owner occupier

            • AssociatedWilson Heroes HL @ Heroes Home Loans on 29/06/2023 - 09:34

              @johnnytran: 5.79% with Macquarie
              5.84% with St George + $4000 offer until the end of this month
              5.84% with Westpac + $4000 offer until the end of this month
              5.94% with ING + $3000 offer until the end of this month

              Please feel free to email me at [email protected] or text/call me on 0477 200 670 and I would be happy to answer all finance related questions.

              • johnnytran on 29/06/2023 - 13:04

                @Wilson Heroes HL: Cheers. Might email you after work - wish I had more time for the cashback though. Surely there would be more offers next financial year? I don’t want to rush things

  • xyron on 28/06/2023 - 16:13

    Always interesting to see where fixed rates are heading. 5.39% fixed rates being offered should mean we're at or near the end of the current cycle…

    • HitlersDad on 28/06/2023 - 16:29
      +1

      Can you explain the logic of this? There are not that many fixed at that rate around.

      • xyron on 28/06/2023 - 16:30
        +1

        The logic is just that the banks aren't in the habit of leaving money on the table (and hire numerous very expensive actuaries to get this kind of thing right). If they want you to fix at 5.39%, that means they're expecting rates to start going down again (so they make the money back off you in margin).

        • TEER3X on 28/06/2023 - 16:42
          +2

          Yes but everyone and their dog knows rates are going up at least 25bp more and likely a total of 50bp by the end of the year.

          • xyron on 28/06/2023 - 16:53

            @TEER3X: better lock in that cheap fixed rate and beat the banks, then…

            • TEER3X on 28/06/2023 - 20:26

              @xyron: Tictoc raised their rates a couple of days ago, I think everyone was expecting inflation to be higher and RBA to raise rates. Not going to happen in July it seems.

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 28/06/2023 - 16:32
      +1

      Most banks have push their fixed rates to around 6% so their anticipations that rates will go up higher and inflations was last report as 5.6% and RBA want to get it down 2-3%

  • faze on 28/06/2023 - 16:57

    Hi Wilson

    What LVR do you need for Westpac 5.84%?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 29/06/2023 - 09:26

      I believe it's below 70%

  • the.piemaker on 28/06/2023 - 17:07

    Hi Wilson,

    What's the rate for investment, IO fixed rate?

    Thanks.

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 28/06/2023 - 17:08

      What's the value of the property and the loan size?

      • the.piemaker on 28/06/2023 - 17:11

        Valued at $1.06mil, loan size $737,100

        • AssociatedWilson Heroes HL @ Heroes Home Loans on 29/06/2023 - 09:40
          +1

          Connective Essentials 3 year fixed IO Investment - 5.69%
          Connective Essentials 2 year fixed IO Investment - 5.89%
          Connective Essentials 1 year fixed IO Investment - 5.89%
          ANZ 2 year fixed IO Investment - 6.19% + $4000

          Please feel free to email me at [email protected] or text/call me on 0477 200 670 and I would be happy to answer all finance related questions

      • bennybaubles on 28/06/2023 - 18:53
        +1

        Are you going to answer peoples questions here with some actual percentages?

        • AssociatedWilson Heroes HL @ Heroes Home Loans on 29/06/2023 - 09:36

          Someone woke up on the wrong side of the bed this morning

  • sydneybargainer on 28/06/2023 - 17:21
    +2

    Hi Wilson.
    I did contact you 3 months back & we spoke on phone once as well.
    You were supposed to call me back with specific which I was after, I did follow up with text as we & Did not hear from you.
    Anyways I got refinanced with another broker. All good for now.
    Thanks.

    • HitlersDad on 28/06/2023 - 18:48
      +3

      Typical of some brokers, either get too many clients or pick some over others.

    • HitlersDad on 03/07/2023 - 10:55

      Yes this looks good. Interested in any others feedback.

      • gbnbb10 on 05/07/2023 - 01:16

        After todays rate change, why doesn't anybody here discuss about IMB Bank who are offering 5.49% 2yr fixed, 5.69% variable (Cashback Payment for loans between $250,000 and $500,000 is $2,000, and Cashback Payment for loans $500,000 and over is $4,000. Borrowers are eligible for one Cashback Payment in a 12-month period)

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