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Surprisingly it’s around the same. I’ve never understood how they can offer it. I suppose they just accept they could lose a little but…

Mortgage broker here. There are some banks with good rates that allow you to fully offset a fixed loan. Not the big 4, but there are a few.…

Hi. When it comes to husband and wife, it is very common to have just one on the title and both on the loan. Often for asset protection if…

The offset is not involved in the settlement but the bank will adjust the commission based on the offset balance after a certain amount of…

Yes. I’d agree that usually whoever is the cheapest only does so to build up their book and then put their rates up soon after.

This is my thoughts only and not a recommendation with all the disclaimers. My view is they will not change this year. U r welcome to…

PLEASE TAKE THIS AS A GUIDE ONLY and not a recommendation. As a guide only as of today, INV I/O - a couple of cheap options would be…

Thanks. And I’m always available to assist if you have any issues.

It’s hard to find a good reason to leave 3.69%. Especially when it’s fixed and there could be break costs. I’m happy for you to call…

haha! yes!

it does.

Nah. that's very cheap. Nothing I'm aware of (that is reputable) is near that mark for investment.

Yes

If you had a loan of 3.56%, and you wanted the best rate, I would say it's not worthwhile you moving.

see above

You should have become a mortgage broker if you think we make $10k for every $400k loan!

I don't want to sound vague, but don't want to be seen advertising rates that might change in a week. But as of right now, the cheapest of…

I don't make people sign anything but would hope you keep it for 2 years so I don't get clawed back.

If you notice I ran the same promotion exactly 12 months ago. I found this the quietest month because no auctions are held over the xmas…

**$400 Cash Back per $100k Settled** I ran this promotion last year and helped many Ozbargainers…

It's hard to give a rate when people have different requirements and different amounts they want to borrow. Eg... are you borrowing more…

This deal is on top of any bank deal, so in answering your question "yes", but you can choose a basic loan too.

I've updated. I can do interstate, but preference is Melb.

Depends on the bank that we choose.

**$400 Cash Back per $100k Settled** I ran this promotion earlier in the year and was successful…

Are u sure the HSBC and suncorp are offset with no fees? That sounds like the no frills with redraw.

Hi Angelscrap. Sure is!

Hi Some Guy. If there are trusts/companies and complicated structures, I'm willing to do the deal and provide some cash back, but not as…

Hi Gizmomelb I could probably get you a better rate but you would have mortgage insurance issues. However, some professions can borrow 90%…

Hi JP1. email or call me to discuss. you are in first 10!