tomclancy » user profile
Member Since | 18/09/2008 |
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Last Seen | Online Now |
Badges | 12 7 |
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tomclancy replied to OzFrugie on [NSW, QLD, ACT] $2000-$3000 Cashback on 5.94% Variable Rate Home Loan @ Greater Bank
[[6 Mar 2024] CSV of Every Home Loan Mortgage Rate + Cashback in Australia ](https://www.ozbargain.com.au/node/653711)
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…
Oops! Linked to the wrong account 🤦♂️ Here's the right one -->…
tomclancy commented on Prepaid Card for Kids - Reloadable
https://www.greatsouthernbank.com.au/bank-and-save/savings-accounts/youth-esaver-account
[CSV of Every Home Loan Mortgage Rate + Cashback in Australia](https://www.ozbargain.com.au/node/653711)
> 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…
tomclancy replied to Stickout on [NSW, QLD, ACT] $2000-$3000 Cashback on 5.94% Variable Rate Home Loan @ Greater Bank
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…
tomclancy replied to Stickout on [NSW, QLD, ACT] $2000-$3000 Cashback on 5.94% Variable Rate Home Loan @ Greater Bank
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…
tomclancy replied to Royale with cheese on $2000 Home Loan Refinance Cashback (Min Loan $250,000), Owner Occupied Rates from 5.79% (CR 6.33%) @ Bank of Queensland (BOQ)
Yep - the entire market agrees that rates are heading south. Blind Freddy can see that they are. But if someone is desperate for certainty…
tomclancy replied to Royale with cheese on $2000 Home Loan Refinance Cashback (Min Loan $250,000), Owner Occupied Rates from 5.79% (CR 6.33%) @ Bank of Queensland (BOQ)
> 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…
tomclancy replied to io on $2000 Home Loan Refinance Cashback (Min Loan $250,000), Owner Occupied Rates from 5.79% (CR 6.33%) @ Bank of Queensland (BOQ)
A kind OzBargainer has a live, updated rates spreadsheet --> https://www.ozbargain.com.au/node/653711 Australian Mutual is 5.53% fixed for…
tomclancy commented on $2000 Home Loan Refinance Cashback (Min Loan $250,000), Owner Occupied Rates from 5.79% (CR 6.33%) @ Bank of Queensland (BOQ)
Holy crap those interest rates are terrible. A fool and their money are easliy parted!
tomclancy replied to Nuclearvodka on Buy House in Australia When Bank Account and Income Is in The UK
> 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…
Bankwest, CBA, BOQ, Macquarie, Suncorp just to name a few. GBP is common currency that most banks will accept as income for servicability.…
tomclancy replied to blackhorn on [NSW, QLD, ACT] $2000-$3000 Cashback on 5.94% Variable Rate Home Loan @ Greater Bank
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…
tomclancy replied to gomertose on Who Is The Worst in Your Experience at Getting Refund from Closed Credit Card
> 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…
tomclancy replied to AnirudhD on Buy 5 Loaves of Wonder White 700g within 6 Months in One or Multiple Transactions at Coles, Get The 6th Free @Flybuys
Wonder White... quality??? 🤣
tomclancy commented on eBay Refusing to Provide Their Business Details
Username checks out LOL
[[2024] CSV of Every Home Loan Mortgage Rate + Cashback in Australia ](https://www.ozbargain.com.au/node/653711) Though the big4 don't…
tomclancy replied to Rodger1 on $3000 First Home Buyer Home Loan Cashback (Minimum Loan $250,000) @ ANZ
Yes - can call and cancel the discharge anytime 👍
tomclancy replied to Rodger1 on $3000 First Home Buyer Home Loan Cashback (Minimum Loan $250,000) @ ANZ
> 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…
tomclancy replied to Rodger1 on $3000 First Home Buyer Home Loan Cashback (Minimum Loan $250,000) @ ANZ
> 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…
tomclancy replied to outsideworld on AEG 18V 6.0Ah FUSION Jet Blower Kit $299 (Was $429) + Delivery ($0 C&C/ in-Store/ OnePass) @ Bunnings
That would be a downgrade. EGO Blower LB5300E is far superior: - more air volume --> EGO 900m3/h vs AEG 790m3/h - heaps quieter --> EGO…
tomclancy commented on AEG 18V 6.0Ah FUSION Jet Blower Kit $299 (Was $429) + Delivery ($0 C&C/ in-Store/ OnePass) @ Bunnings
> Even with its 6.0ah battery it only lasts about 8 minutes before needing a recharge. Overall, disappointing. Yeesh
> we're often getting negotiated interest rates much cheaper than the website, recently achieving variable rates between 6.14%-6.31% (CR…
tomclancy replied to johnnytran on $2000 Home Loan Refinance Cashback (Min Loan $250,000), Owner Occupied Rates from 6.09% (CR 6.24%) @ Bank of Queensland (BOQ)
Misnomer by me. ANZ don't do package anymore. Instead $10 monthly fee for offset account.
tomclancy replied to michaelavelli on $2000 Home Loan Refinance Cashback (Min Loan $250,000), Owner Occupied Rates from 6.09% (CR 6.24%) @ Bank of Queensland (BOQ)
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…
tomclancy replied to freedomofspeech on $2000 Home Loan Refinance Cashback (Min Loan $250,000), Owner Occupied Rates from 6.09% (CR 6.24%) @ Bank of Queensland (BOQ)
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…
tomclancy replied to sydneysider888 on Seagate EXOS X16 16TB ST16000NM001G SATA 3.5" Enterprise HDD OEM US$189.19 (~A$289.52) Delivered @ Eastdigital HK eBay
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…
bargainhunter168 is the new kid on the shilling block
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