tomclancy » user profile

Member Since 18/09/2008
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[[6 Mar 2024] CSV of Every Home Loan Mortgage Rate + Cashback in Australia ](https://www.ozbargain.com.au/node/653711)
11/03/2024 - 21:00
Cashback only paid on amount excluding GST. Typically in the 100% cashback deals the purchasers still wear the 10% GST. I'm not sure how OP…
11/03/2024 - 09:20
Oops! Linked to the wrong account 🤦‍♂️ Here's the right one -->…
11/03/2024 - 09:15
https://www.greatsouthernbank.com.au/bank-and-save/savings-accounts/youth-esaver-account
10/03/2024 - 20:52
[CSV of Every Home Loan Mortgage Rate + Cashback in Australia](https://www.ozbargain.com.au/node/653711)
05/03/2024 - 23:27
> it's a waste of everyone's time to go through the hoops to get approval from another bank to only then be offered a better deal from your…
03/03/2024 - 00:05
Sure, no problems. Left to go to Suncorp 5.99% OO variable P&I <70% LVR no offset I also refinanced investment to uBank 6.14% INV variable…
28/02/2024 - 09:27
ANZ is 6.04% if LVR <=70%. You have to speak to retention team to get that rate. Only way to speak to retention team is to submit a…
27/02/2024 - 00:44
Yep - the entire market agrees that rates are heading south. Blind Freddy can see that they are. But if someone is desperate for certainty…
26/02/2024 - 20:00
> And who would lock at a higher rate for 2 years when the rates will go down in 6 months. You need a lesson in brokerage In fairness, I…
26/02/2024 - 14:30
A kind OzBargainer has a live, updated rates spreadsheet --> https://www.ozbargain.com.au/node/653711 Australian Mutual is 5.53% fixed for…
26/02/2024 - 11:08
Holy crap those interest rates are terrible. A fool and their money are easliy parted!
25/02/2024 - 22:17
> being employed in the UK and having a UK savings account are not a problem Correct. Not a problem for most lenders. Certainly no issue…
21/02/2024 - 18:50
Bankwest, CBA, BOQ, Macquarie, Suncorp just to name a few. GBP is common currency that most banks will accept as income for servicability.…
21/02/2024 - 09:40
If you refinance away from your broker in 3 months time they will have all of their commission stripped from them. Including the half they…
16/02/2024 - 19:04
> my NAB Credit card annual fee is due in July Yeah, but OP's credit card has been open 7 months?!? They aren't cancelling the card after a…
13/02/2024 - 23:56
Username checks out LOL
29/01/2024 - 10:55
[[2024] CSV of Every Home Loan Mortgage Rate + Cashback in Australia ](https://www.ozbargain.com.au/node/653711) Though the big4 don't…
24/01/2024 - 19:17
Yes - can call and cancel the discharge anytime 👍
09/01/2024 - 14:44
> Can I fill out BOM discharge using the details of the person from HSBC I tried to refi through? You can put HSBC as the new bank and in…
09/01/2024 - 14:39
> Wonder if it's a different story when you actually submit the discharge form Yes, when you called today you didn't speak to their…
09/01/2024 - 10:21
That would be a downgrade. EGO Blower LB5300E is far superior: - more air volume --> EGO 900m3/h vs AEG 790m3/h - heaps quieter --> EGO…
09/01/2024 - 10:18
> Even with its 6.0ah battery it only lasts about 8 minutes before needing a recharge. Overall, disappointing. Yeesh
08/01/2024 - 20:35
> we're often getting negotiated interest rates much cheaper than the website, recently achieving variable rates between 6.14%-6.31% (CR…
05/01/2024 - 11:17
Misnomer by me. ANZ don't do package anymore. Instead $10 monthly fee for offset account.
11/12/2023 - 22:28
Yeah but ANZ's has offset. That's another 10bps right there. So 0.15%p.a. on a $700,000 average home loan is $1,050p.a. There are cheaper…
11/12/2023 - 20:43
yep - BOQ not competitive at all, I would expect better from a 2nd Tier. Don't get sucked into these cashback 'deals' if you are losing out…
11/12/2023 - 15:05
No issues with mine (two ST1200NM001G) If you can't see it in BIOS that's no good. Have you tried: - reseating the power & SATA connections…
10/12/2023 - 18:24
bargainhunter168 is the new kid on the shilling block
09/12/2023 - 09:51
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