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ANZ Home Refinances - $4,000 Cashback on LVR<80%, Min Loan $250,000, Fixed Rate from 5.99% (CR 6.79%, Owner Occupied P&I 2-Year)

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ANZ Home Refinances - $4,000 Cashback on LVR<80%, Min Loan $250,000, Fixed Rate from 5.99% (CR 6.79%, Owner Occupied P&I 2-Year)
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AssociatedWilson Heroes HL @ Heroes Home Loans on 05/07/2023 - 17:19 anz.com.au (305 clicks)
Last edited 23/08/2023 - 23:39 by 2 other users

Hello All Ozbargainers

ANZ has extend their $4000 cashback offer pas the end of June and is one of the last few banks that offer cashback for a limited time only.
These are the latest rates including the June rate increase.

Principal and Interest Owner Occupied HOME LOAN
Variable - 6.04% (CPR 6.09%) FOR LVR <60%
Variable - 6.09% (CPR 6.09%) FOR LVR <70%
Variable - 6.19% (CPR 6.19%) FOR 70% <LVR <80%

For 100% offset account, please contact me for individual quote, the rate will a lot cheaper than what's advertise on ANZ website
1 year fixed - 6.29% (CPR 6.92%) FOR LVR <80%
2 year fixed - 5.99% (CPR 6.79%) FOR LVR <80%
3 year fixed - 6.14% (CPR 6.89%) FOR LVR <80%

Principal and Interest INVESTMENT HOME LOAN
Variable - 6.24% (CPR 6.24%) FOR LVR <60%
Variable - 6.29% (CPR 6.29%) FOR LVR <70%
Variable - 6.39% (CPR 6.39%) FOR 70% <LVR <80%
For 100% offset account, please contact me for individual quote, the rate will a lot cheaper than what's advertise on ANZ website

1 year fixed - 6.39% (CPR 7.46%) FOR LVR <80%
2 year fixed - 6.14% (CPR 7.65%) FOR LVR <80%
3 year fixed - 6.29% (CPR 7.21%) FOR LVR <80%

Interest ONLY INVESTMENT HOME LOAN
Variable - 6.59% (CPR 6.39%) FOR LVR <60%
Variable - 6.64% (CPR 6.44%) FOR LVR <70%
Variable - 6.74% (CPR 6.54%) FOR 70% <LVR <80%

For 100% offset account, please contact me for individual quote, the rate will a lot cheaper than what's advertise on ANZ website
1 year fixed - 6.39% (CPR 7.46%) FOR LVR <80%
2 year fixed - 6.14% (CPR 7.65%) FOR LVR <80%
3 year fixed - 6.29% (CPR 7.21%) FOR LVR <80%

Settle within 120 days from submission date. 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. Only applies for refinances not purchase.

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
Credit Representative Number is 530101 under Australia's Services Australian Credit License (ACL) 389328 © 2021 HEROES HOME LOANS AUSTRALIA PTY LTD
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 Cashback Home Loan Loan Refinance

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closed Comments

  • NotAMoodle on 05/07/2023 - 17:23

    Interest ONLY INVESTMENT HOME LOAN
    Variable - 6.59% (CPR 6.24%) FOR LVR <60%
    Variable - 6.29% (CPR 6.29%) FOR LVR <70%
    Variable - 6.39% (CPR 6.39%) FOR 70% <LVR <80%

    Is it normal for a better LVR to have a higher interest rate? I would've thought less risk = better rate?

    How long until the $4k is in your account from the refinance?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/07/2023 - 17:35

      Hey thank you for picking that up, I have fixed up the rates.

      Usually the $4000 is paid within a month or two after the settlement date.

    • ONEMariachi on 01/08/2023 - 08:37

      I got mine in 2 days when I did it with ANZ back in December, we're talking a couple days before Christmas too.

      • NotAMoodle on 01/08/2023 - 11:38

        Yep ours came through in a few days. Neat.

  • Panama on 05/07/2023 - 17:25

    Sounds like the banks are confident rates will drop next year.

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/07/2023 - 17:36

      At this stage, it's anyone's guess on whether rates will go up or down. I personally think we still have a couple more rates increase to go.

    • Ocker on 05/07/2023 - 18:29

      The rates banks offer has little, if anything to do with their view on interest rates.
      They run pretty well matched books and pricing is dependent upon the wholesale market rates.

  • N B on 05/07/2023 - 17:33

    Do they still offer fixed loan with offset ?

  • Nirumid on 05/07/2023 - 17:45

    R these loans applicable for construction loans as well?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/07/2023 - 17:59

      Yes they do :)

  • JHoliday on 05/07/2023 - 17:45

    Can you still refinance and then pay off the $250K immediately?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 06/07/2023 - 09:10

      Yes you can

  • TonyBaloney on 05/07/2023 - 17:58

    Any intel on whether AMP have renewed their $4k cashback offer at all?? Thanks

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/07/2023 - 17:59

      Unlikely anytime soon unfortunately :(

      • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/07/2023 - 17:59
        +1

        As soon as they do, I will post it ozbargain :)

    • kungfupanda on 05/07/2023 - 20:22

      why AMP?

      • TonyBaloney on 05/07/2023 - 21:48

        Master limit loans suitable for debt recycling flexibility

  • freedomofspeech on 05/07/2023 - 18:47

    5.99 so much.. Just refinanced to St George with 4k cashback at 5.79%

    • crytotosaurus on 04/08/2023 - 06:53

      Hey @freedomofspeech did you refinance through finance broker or directly with St George? Cheers

  • Ultramup on 05/07/2023 - 18:49

    Do banks clawback cashbacks? Looking to leave mine - settled 1 year ago

    • fredblogs on 05/07/2023 - 19:31

      check terms & conditions but not likely

  • clubhonda on 05/07/2023 - 19:38

    Has anyone tried to discharge from ANZ, do they still offer cashback for retention?

    • Tock on 06/07/2023 - 08:10

      They didn't offer me anything except a token rate discount when I left ~12 months ago. And that was before I pushed discharge through… no retendtion calls.

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 06/07/2023 - 09:11
      +1

      Sometimes they do, sometimes they dont. Depends on how big of loan you got and how long of a customer you have been with them

  • davemc on 05/07/2023 - 20:31

    So do you switch ANZ then get cash back, then to ME bank and then BQL etc etc
    $2-$4k each switch get $10k off home loan each year
    Pretty hopeless they offer nothing for you to stay.

    • 31mop on 05/07/2023 - 21:40

      Unlikely to get approved for that many home loan switches

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 05/07/2023 - 21:59

      won't recommend to do so many home loan application in such a short period of time, it will tank your credit score

      • davemc on 05/07/2023 - 22:09

        They happy to offer $4k to swap.
        Although nothing to stay :)
        then they wonder why people will swap

        • vawiyoci on 06/07/2023 - 09:41

          Well the other issue is if you 'swap' too often without much time inbetween they might decline simply out of worry that they'll be denied their commissions if you don't plan on keeping the new loan long enough. In which case would the original bank even let you discharge in that situation?

      • vawiyoci on 06/07/2023 - 09:40

        Do banks/brokers actually care about that much about credit score here in Aus? All the brokers I've gone to over the years have never brought it up and seemed to simply go off your income/savings as well as telling you to close your credit cards and just reopen them once the loan goes through.

        • AssociatedWilson Heroes HL @ Heroes Home Loans on 07/07/2023 - 08:45

          Banks have minimum credit score requirements that you have to meet to get loans. I think your credit score must be pretty high for it not to be an issue for yourself.

          • ONEMariachi on 01/08/2023 - 08:44

            @Wilson Heroes HL: when I swapped recently, my credit rating via credit savvy went from 912 to 901, then back to 906 within 2 months. I can't imagine the effect on credit rating is particularly big as long as you are paying your loan on time.

  • ahammet on 05/07/2023 - 21:37

    Just financed from ANZ. On receipt of discharge documents They are offering this plus a slightly better discount. Something similar to St George.

  • PeachesK on 06/07/2023 - 17:36

    We just refixed at 5.99 Owner Occ loan 60% for 3yrs with ANZ. Can we still get the $4k cash back?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 07/07/2023 - 08:44

      No unfortunately it's for new clients.

      • PeachesK on 08/07/2023 - 14:51

        Thanks for the reply

    • ONEMariachi on 01/08/2023 - 08:45

      They've been offering the $4k cashback for almost 12 months now. I'd call them up if I were you and say you were offered it but never received it. You'll likely get it.

  • chingy213 on 06/07/2023 - 17:46

    Where are you located? I am keen.

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 07/07/2023 - 08:43

      We are based in Zetland, Sydney.

  • JohnHowardsEyebrows on 26/07/2023 - 17:05
    +1

    So you're a broker offering nothing beyond the standard cashback available? Usually brokers offer some kind of sweetener.

  • jason3w on 26/07/2023 - 19:14

    So if I'm paying 7.06% with ANZ currently, can I get them to match this?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 27/07/2023 - 11:55

      You can get the rate review

  • ol mate on 23/08/2023 - 14:04
    +1

    Effective Saturday 26 August 2023 ANZ’s Switching Cashback Offer on eligible loans of $250,000 or more will reduce from $4,000 to $2,000 for loans with LVR of 80% or less. Loans with LVR over 80% will no longer be eligible for cashback.

    From the top of this page

    • kacak on 23/08/2023 - 15:03

      So would it be too late to start the switch to ANZ now then, and expect to still be eligible for the $4k cashback offer?

  • bigbadboogieman on 26/08/2023 - 09:51

    Is less than 5.79% CPR possible? Current rate on variable < 60% LVR.

  • mrsnake11 on 28/08/2023 - 14:06

    Please do not use Wilson or his company. They are really slow in response and they are not doing their job properly.

    Wilson is a liar

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