GuyfromMelbourne » user profile

Member Since 01/12/2018
Last Seen 2 hours 8 min
Badges 2
Location Melbourne

Recent Activities

GuyfromMelbourne replied to Ash-Say on Loan and Partner Income Verification
Because they won’t ask for your partner’s income etc if that wasn’t the case.
11/04/2024 - 10:23
GuyfromMelbourne commented on Loan and Partner Income Verification
Because you cannot service both the loans just with your income, as per bank calculations. Technically they shouldn’t even offer the new…
11/04/2024 - 08:42
[VIC] Junior Burger and Junior Fries $9.99 Lunch Time Only @ Fat Jaks
GuyfromMelbourne posted a deal [VIC] Junior Burger and Junior Fries $9.99 Lunch Time Only @ Fat Jaks
**It’s for lunch only.** Tried this deal in Fat Jak’s Caroline Springs recently and really liked it. The meal is not huge but bigger…
04/04/2024 - 20:08
GuyfromMelbourne replied to Dollar General on Pay into Investment Property Loan Vs Super Concessional Contribution
Thanks for responding. Understand the 15% tax part. I just can’t get my head around is the negative gearing. This extra money parked in…
02/02/2024 - 12:03
GuyfromMelbourne replied to AustriaBargain on Pay into Investment Property Loan Vs Super Concessional Contribution
Learned lessons after the first one.
02/02/2024 - 11:59
GuyfromMelbourne posted a forum topic Pay into Investment Property Loan Vs Super Concessional Contribution
Hello Everyone, I tried looking up but most of the discussions are about paying off mortgage vs making extra contributions into Super. I am…
01/02/2024 - 23:28
GuyfromMelbourne commented on New to Mortgages - Your Thoughts on Banks and Loan Types?
Did you look at westpac/bank of Melbourne? Also, hope your broker is offering broker cashback. There are few on OB that offer broker…
26/09/2023 - 22:33
GuyfromMelbourne commented on Any Recommendation for Cash Back Mortgage Broker?
There are 2 best ones on ozbargain. 1. Withcashback. They offer 0.6% of loan amount. 2. Lending Workshop. They offer 0.4% of loan amount.…
13/05/2023 - 02:02
GuyfromMelbourne replied to enigma48 on 100% Offset Variable Rate Home Loan 5.29% p.a. (5.65% CR) + up to $5,000 Cashback for Refinance @ Heritage Bank
When these small lenders offer the best deal. They struggle with volumes. Unable to cope.
03/05/2023 - 23:00
GuyfromMelbourne commented on $2000-$4288 Home Loan Purchase/Refinance Cashback, Offset Variable Rate from 5.18% (CR 5.56%), fixed from 5.29% @ Bank of China
Look at their website. Why would you want to do this to yourself? Unless jumping again in short period.
03/05/2023 - 17:56
GuyfromMelbourne commented on Suncorp Extends Refinance Rebate from 1 Per Borrower to 1 Per Property (Min Loan $500,000 & LVR <= 80%) @ Suncorp
How is this any better or different than [this deal](https://www.ozbargain.com.au/node/766013) Suncorp have been doing cashback per…
03/05/2023 - 17:53
GuyfromMelbourne commented on Owner Occupied Fixed Rates Home Loan 1 and 2 Years 5.44% (5.28% & 5.30% CR) under 80% LVR @ ING
> ING - $3,500 for loan amount $350k when refinancing by 31st May 2023. Is this a typo OP? ING Website only says $3K
22/04/2023 - 00:11
GuyfromMelbourne replied to the-fuzz on Owner Occupied P&I Variable Rates from 5.24% (CR 5.57%, LVR <70%) 2 Year Intro for @ Westpac
What about cashback? Also, Athena started the same way. Look at their rates today. I hope unloan can prove that Aussies want set and forget…
22/04/2023 - 00:04
GuyfromMelbourne replied to punkman on Owner Occupied P&I Variable Rates from 5.24% (CR 5.57%, LVR <70%) 2 Year Intro for @ Westpac
Hi @punkman, not defending op. I have negged his last deal in past. But he is right on this point. Unloan doesn’t deal with brokers.…
22/04/2023 - 00:02
GuyfromMelbourne commented on Up to $4000 Broker Rebate for Home & Refinance Loans @ Heroes Home Loan
[This](https://www.ozbargain.com.au/node/761110 ) broker is offering double cashback. So this is not a deal in my opinion.
14/04/2023 - 12:07
GuyfromMelbourne commented on Have You Used Mortgage Brokers? Are They Worth It?
Being in the finance industry for 10 years and the simple answer to your question is yes it’s worth it. You need to find the right broker…
11/04/2023 - 23:13
GuyfromMelbourne replied to tomclancy on Fixed Rate Maturing with BOQ. What to Do?
Hi @tomclancy, appreciate a detailed response. I agree that if you are churning every 6 months you can beat a broker. That’s in today’s…
08/04/2023 - 16:10
GuyfromMelbourne replied to tunzafun001 on Fixed Rate Maturing with BOQ. What to Do?
And brokers job is to make sure you don’t have to make that call in the first place. So you must have been with a wrong one.
08/04/2023 - 16:04
GuyfromMelbourne commented on Fixed Rate Maturing with BOQ. What to Do?
No offence. Genuinely curious to know, why people are suggesting to avoid a broker and find a deal themselves? Brokers on ozbargain offer…
07/04/2023 - 22:44
GuyfromMelbourne commented on Home Loan for a Land + Construction
Firstly, I assume the land is titling July-2023 and 2022 is a typo. The 40K equity you are thinking is not equity you can use twice. The…
28/03/2023 - 10:21
GuyfromMelbourne replied to yewman on The ubank Downgrade Is Very Disappointing
Fair enough, have you tried macquarie? That’s second on list 😊
28/03/2023 - 00:44
GuyfromMelbourne commented on Interest Only Home Loan Advice
The easiest way to do it is put all the money into home loan assuming it’s a variable rate loan. And cancel the repayments. You will not…
28/03/2023 - 00:41
GuyfromMelbourne commented on The ubank Downgrade Is Very Disappointing
Upbank is ozbargain favourate according to the polls so maybe try that.
28/03/2023 - 00:37
GuyfromMelbourne commented on Wanting to Refinance - Any Recommendations on Current Cashbacks/Best Rates/Best Brokers
[here is the cashback offer](https://www.ozbargain.com.au/node/761110)
28/03/2023 - 00:34
GuyfromMelbourne commented on Will Banks Approve A Loan if I Just Started on A Role
The broker/banker doing your loan needs to provide justification about how your loan is a risk worth taking. Yes probation period is not in…
21/03/2023 - 15:51
GuyfromMelbourne commented on Home Loan Refinancing
Fixed rate or variable rate option should be chosen based on risk appetite and not trying to find a better deal. If you can survive 1-2%…
20/03/2023 - 18:25
GuyfromMelbourne commented on Broker Made Us Sign Agreement That She Gets $3k if We Change Bank within 3 Years
Hand over your badge OP. Here we have brokers offering cashbacks to win business on Ozbargain and you got sucked into this situation. By…
16/03/2023 - 00:55
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