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Demon slayer box set for the kid for ~$177 works out alright.

Just going to get worse.

Just moaned a little bit about it. I've also had some other brokers point me at Bank of China, 5.68%, $4k cashback, and with an offset.

Big enough that it would earn the $3000 loan if I applied online.

After a bit of back and forth they'll give me the $3k cashback even though I'm going through the lender not online.

That's what they're telling me, although they're also waiving some fees and offering a 5bp better rate which works out better for me…

Frustrating that they do this now that open banking is a think. Shouldn't require credentials at all. Greater Bank doesn't require this if…

I wanted to go with them but they wanted all the upgrades to quality to be done _before_ applying, so missed out on that.

They're offering me the same, which is great, but they're not giving the full $3k cashback only $2.5k as the $3k is the online process…

Yeah, I'm in VIC. $125.70 x 2 for mortage discharge and charge, total ~$250 not $340. ~$800 is typical refinance cost in VIC in my…

disagree, you should completely ignore the comparison rate which is very misleading as it's based on hypothetical numbers that likely bear…

Excellent, thanks for those details.

Just keep paying the same. I save far more than my minimum repayments anyway, so the actual repayment amount is basically irrelevant.

Having refinanced many times I think the most it has cost all up was about $800, sometimes less. Generally I'm refinancing to banks that…

Yeah it absolutely needs to be disclosed, but they can disclose it by burying it in the terms and conditions, so always read closely.

I assume it's legal but they're certainly doing it - see near the bottom of the page for Reduce here -…

Greater Bank sounds good to me, considering going that way - especially if they'll drop from 5.69% to 5.64% which you seem to be saying.…

Clawback applies to broker commission but also frequently cashback offers (e.g. reduce home loans has up to $10k cashback, but 100%…

Great summary, but speaking of doing the maths... 600k x 0.0015 = 900, doing the maths says you're still way up on a $3k cashback after 12…

Greater Bank is 5.69% and someone above says they've gone 0.05 lower for them so 5.64%. It's no offset (redraw only) for that rate though,…

I've got an older one of these, bought in 2014, has served well. Robust build, not much to go wrong. It was about $129.49 at the time…

Cost to run my bike is largely unchanged, I'm not panicking.

Could really do with a not-terrible credit card deal.

Much easier on the eyes that a light emitting screen.

bible deals

are you new here

Replied above FYI, maybe worth a shot but no guarantee. https://www.ozbargain.com.au/comment/17407673/redir

It's likely location dependent. I'm in VIC 3068, the offer shows for me both searching directly on Engie's site and through Econnex.

NRMA let me cancel straight away, yeah, and I've left it a day to make sure it's gone. I have just checked that I can still sign in but I…

Cancelling my NRMA account so that I can double dip on Engie's $325 sign up bonuses ($125 electricity + $200 gas) for non-NRMA members who…