naritas » user profile
Member Since | 02/07/2015 |
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Last Seen | 22/03/2024 |
Badges | 4 |
Location | Sydney |
Website | www.naritas.com.au |
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Recent Activities
naritas replied to GuyfromMelbourne on $2000 Refinancing Home Loan Rebate (250k Min Loan Size and $395 Annual Package Fee Applies) @ Westpac
In our experience in submitting mortgages to ANZ they have been nearly uniform in approving these rebates. If the loan size is…
naritas replied to [Deactivated] on Scammy Popup Ads on OzBargain (was: Site Redirects to DollarCreative and MacSafetyCheck?)
Preface: We're not IT security experts, just happen to have a working knowledge of the basics to protect financial information given our…
@MrBear LOL - funny but true. Given the number of factors at play, it verges on impossible to get this prediction right to the basis point…
naritas commented on Scammy Popup Ads on OzBargain (was: Site Redirects to DollarCreative and MacSafetyCheck?)
Have you checked that your router is not infected? We've had clients that have experienced hacks that occurred because their router got…
Some general thoughts on themes amongst lenders when it comes to using AirBNB income for mortgage servicing: 1. They'll typically ignore…
@cheapjunkie you're probably right for a lot of people. This is definitely not a 'free lunch' scenario and any potential borrower really…
naritas replied to OzFrugie on New Credit Profiling from 1 July 2018 - Worth Lowering Credit Card Limit?
> Regarding #1, does it mean that if limit is 3k and consistently use 2k each month, it is worse than spending 2k but on 10k limit? Ceteris…
Great question! The answer is somewhat complicated - so it heavily depends on the specifics of your individual circumstances (which is what…
naritas replied to ely on UBank UHomeLoan from 3.69% p.a (CR 3.69%), Owner-Occupier Loans $200K - $700K, Refinance and Get $1000 into a USaver Account
In our experience (as finance brokers), Newcastle Permanent has been quite popular for combination loans. Check out their Premium Plus…
naritas replied to naritas on Bank of Sydney 3.58% pa (3.59% pa CR), 100% Offset - Expect More Home Loan Package
[@Tipu](/comment/5841171/redir): > Any deal and cashback for investment loan? Many thanks for the question :) We have a number of deals…
naritas replied to dasher86 on Bank of Sydney 3.58% pa (3.59% pa CR), 100% Offset - Expect More Home Loan Package
> Andrew - how long is the financing process with BOS these days? @dasher86, many thanks for the question :) From January up until the past…
naritas replied to naritas on Bank of Sydney 3.58% pa (3.59% pa CR), 100% Offset - Expect More Home Loan Package
[@Stahh](/comment/5841042/redir): Thank you for sharing your experience. If you refinanced using Naritas please feel free to send us a PM…
naritas replied to tttower on Bank of Sydney 3.58% pa (3.59% pa CR), 100% Offset - Expect More Home Loan Package
> It's a very typical strategy of small lenders, always offer low rate on variable product and then change significantly in a short…
naritas replied to flashi007 on Bank of Sydney 3.58% pa (3.59% pa CR), 100% Offset - Expect More Home Loan Package
[@JetBombat](/comment/5840391/redir): LOL - alas, we're fully Australian owned and operated - but if you know anyone in the M&A team at…
naritas replied to tunzafun001 on Bank of Sydney 3.58% pa (3.59% pa CR), 100% Offset - Expect More Home Loan Package
Great question In our experience, the majority of applicants experience $0 in one off fees. Generally speaking, our experience with BOS is…
naritas replied to flashi007 on Bank of Sydney 3.58% pa (3.59% pa CR), 100% Offset - Expect More Home Loan Package
[@Gandalf the Thrifty](/comment/5840333/redir): In our direct experience with this organisation it has a very ethnically diverse corporate…
naritas commented on Bank of Sydney 3.58% pa (3.59% pa CR), 100% Offset - Expect More Home Loan Package
Great find OP. We presently have this promo available on our website with up to a $1500 eGift card. As BOS accredited brokers, we'd be…
+1 Speaking from the perspective of being credit advisers that see large volumes of requests for home loan approvals daily, we can confirm…
naritas replied to arctan on Bank of Sydney Expect More Home Loan Package Limited Time Offer - 3.63% Rate (3.64% Comparison, 100% Offset, No Annual Fees)
> Is the Citibank 4.09% for interest only (investors)? If so I am keen to look into it. Yes, it is for IO investors :) If you wanted any…
naritas replied to firedragon on Bank of Sydney Expect More Home Loan Package Limited Time Offer - 3.63% Rate (3.64% Comparison, 100% Offset, No Annual Fees)
> Excellent, thanks You're most welcome. Hopefully you have a good experience with the refi if you decide to pull the trigger on this deal…
naritas replied to arctan on Bank of Sydney Expect More Home Loan Package Limited Time Offer - 3.63% Rate (3.64% Comparison, 100% Offset, No Annual Fees)
> Any deals on interest only investment loan? The most competitive investment IO lending under $500k is largely being priced ad hoc at…
naritas replied to firedragon on Bank of Sydney Expect More Home Loan Package Limited Time Offer - 3.63% Rate (3.64% Comparison, 100% Offset, No Annual Fees)
> Okay to refinance to this? Refinances are okay. > What's the minimum loan amount? Minimum loan amount = $300,000 Hope this helps.
naritas replied to naritas on Bank of Sydney Expect More Home Loan Package Limited Time Offer - 3.63% Rate (3.64% Comparison, 100% Offset, No Annual Fees)
[@Stix](/comment/5771775/redir): Oh yes! LOL - the confusion surrounding that deal was best summarised by the comment…
naritas replied to naritas on Bank of Sydney Expect More Home Loan Package Limited Time Offer - 3.63% Rate (3.64% Comparison, 100% Offset, No Annual Fees)
[@Stix](/comment/5771696/redir): > Thanks - and any deals like this around? You're most welcome and thanks for the questions. From the…
naritas replied to ShortyX on Bank of Sydney Expect More Home Loan Package Limited Time Offer - 3.63% Rate (3.64% Comparison, 100% Offset, No Annual Fees)
> Assuming applications need to be successful to get the gift card? LOL - apologies, yes, *successful* applicants. The basics of the offer…
naritas commented on Bank of Sydney Expect More Home Loan Package Limited Time Offer - 3.63% Rate (3.64% Comparison, 100% Offset, No Annual Fees)
Accredited broker here. Can confirm this has been an extremely popular product for us. We actually have an existing offer that couples to…
Generally speaking, there are many lenders that will consider applicants in probation if the primary applicnt's probationary period has 3…
[@thatonethere](/comment/5635488/redir): > I just renegotiated my loan with ANZ, they just needed 3 months worth of payslips. They didn't…
naritas replied to Reveen on Instant Bank to Bank Transfers Coming Jan 26th. Is Your Bank Ready? (PayID/New Payments Platform)
Ah [Bankworld](https://vimeo.com/100483495) - an all time classic for being so spot on ;) hahaha
> Does anyone know a rough total when it comes to changing lenders? Generally speaking a range of $300-700 in aggregate (total of exit fee…
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