Loan Base » user profile

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Member Since | 28/11/2017 |
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Last Seen | 4 hours 35 min |
Location | Sydney |
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St George is actually doing 1.89% pa fixed for 4 years, if your loan is under 60% LVR (1.94% if it's between 60% and 80% LVR) - along with...

Loan Base replied to
Duram on NAB Owner Occupied Home Loan from 1.98% 3 Year Fixed and $2,000 Cashback

They are not bad if it's not a significant cash out amount; I believe they only ask for further verification when cash out amount is over...

Loan Base replied to
Hendrix on NAB Owner Occupied Home Loan from 1.98% 3 Year Fixed and $2,000 Cashback

Hi Hendrix, the fact that the comp rate is based on an assumed $150k loan balance is relevant when ongoing fees are factored in; for...

Loan Base replied to
irmalik on NAB Owner Occupied Home Loan from 1.98% 3 Year Fixed and $2,000 Cashback

Hi irmalik, this is because comparison rates are based on taking out a $150,000 loan and holding it for 25 years with no re-negotiation...

Loan Base replied to
infy on NAB Owner Occupied Home Loan from 1.98% 3 Year Fixed and $2,000 Cashback

Hi infy, you'd have to double check with the broker or banker who set you up with the loan and double check what product you are on....

NAB has just announced new rate cuts including a 1.98% 3 Year Fixed Owner Occupied product. Please see current NAB rates below. #Owner...

Loan Base replied to
zagzzig on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

Hi Zagzzig, yes that's right - only 1, however we could do 1 app with ANZ, and 1 app with another lender for a second cashback.

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JB Hifi Leichardt is out of preorder allocations now. Nabbed one of the last 3!

JB Hifi in Leichardt (Sydney) has stock too, but won't tell you that over the phone.

Loan Base replied to
GuyfromMelbourne on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

Hi GuyfromMelbourne - thanks. I’ve spoken with the public sales team and verified this. Note that the ANZ website doesn't advertise this...

Loan Base replied to
GuyfromMelbourne on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

Hi GuyfromMelbourne - this is what we were told by Broker Assist when we called to clarify the offer before posting. Happy to edit the OP...

Loan Base replied to
baron33 on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

Hi baron33, we can also do 100% offset on fixed via Adelaide Bank as per our other OZB post - https://www.ozbargain.com.au/node/596267 Note...

Loan Base replied to
solys on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

Yes, we have access to one bank lender who is doing up to $4k on purchases. It’s an unadvertised deal, so please PM me or book time in...

Loan Base replied to
Puglife on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

Adelaide Bank actually has 100% offset available on all their fixed products, as per https://www.ozbargain.com.au/node/596267 :)

Loan Base replied to
4foxache on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

Hi 4foxache, as per our OP, "note that the comparison rates do not take into account potential revert pricing discretions we may be able to...

Loan Base replied to
RDY4ME on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

That's why it's helpful to have a broker in your court 😃

Loan Base replied to
moreBeanz on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

Hi moreBeanz, there's a minimum amount of $250k "new to ANZ lending" if you want the full $3k cashback - meaning this would need to be...

Loan Base replied to
justtoreply on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

It's typical for major lender cashbacks. The only proviso I would put on this is that, as brokers, we probably can't assist you if your...

Loan Base replied to
justtoreply on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

Hi justtoreply, it's based on raw loan value.

Loan Base replied to
PeppaCat on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

Hi PeppaCat, application must have been lodged before February 1st and settle by 30th April.

Loan Base replied to
dasher86 on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions

Sorry. typo! $1,200 :)

Loan Base posted a deal ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions
ANZ currently has a refinance cashback of up to $3,000 available. They're offering 100% offset accounts on their 1 year fixed term loans,...

Loan Base replied to
amsaini15 on Adelaide Bank - 100% Offset on Fixed Loans - Owner Occupied from 2.05% 2 Years Fixed + Variable Discretions

Hi amsaini15, We have a number of interest only investment loan options which could be worth considering. #Adelaide Bank * Variable...

Loan Base replied to
Skymstr on Adelaide Bank - 100% Offset on Fixed Loans - Owner Occupied from 2.05% 2 Years Fixed + Variable Discretions

Hi Skymstr, yes - in our opinion, Adelaide Bank has one of the strongest construction loan offerings on the market. Please reach out if...

Loan Base replied to
haliloo on Adelaide Bank - 100% Offset on Fixed Loans - Owner Occupied from 2.05% 2 Years Fixed + Variable Discretions

Hi Haliloo, this is the feedback we've received from a number of customers as well (that it can be difficult to secure competitive rates...

Loan Base replied to
NeutralName on Adelaide Bank - 100% Offset on Fixed Loans - Owner Occupied from 2.05% 2 Years Fixed + Variable Discretions

The deal is the 100% offset account on fixed. Going by some of the comments above, many people aren't aware that this was even a thing.

Loan Base replied to
alebox on Adelaide Bank - 100% Offset on Fixed Loans - Owner Occupied from 2.05% 2 Years Fixed + Variable Discretions

You are absolutely right - most lenders do not permit offset accounts on fixed rate products, and the ones that do often restrict the...

Loan Base replied to
jaymzrsa on Adelaide Bank - 100% Offset on Fixed Loans - Owner Occupied from 2.05% 2 Years Fixed + Variable Discretions

In our experience, Tic Toc is generally only a viable option if you are a customer with a straightforward financial situation, and don't do...

Loan Base posted a deal Adelaide Bank - 100% Offset on Fixed Loans - Owner Occupied from 2.05% 2 Years Fixed + Variable Discretions
Adelaide Bank currently has some very sharp fixed pricing which include a 100% offset account, giving you maximum flexibility with...

Loan Base replied to
infy on Citibank 2021 Home Loan Offers - from $3,000 to $4,000 Cashback - Rates from 1.99% 2 Year Fixed

Hi infy, the only lender we've seen offer a rate tracker loan is Auswide Bank and last we checked it unfortunately wasn't very competitive....