proudwanderer » user profile

2
Member Since 26/06/2007
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Location Melbourne

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proudwanderer replied to CThomas on 2.19% Fixed 2 Years Owner Occupied + 6 Mth Hardship Repayment Freeze + 0.3% Bundle Rebate @ ANZ
Yes, but the $4,000 rebate offer expires on 31 May - so you need to get your application in ASAP!
22/05/2020 - 21:50
proudwanderer replied to Ongy528 on 2.19% Fixed 2 Years Owner Occupied + 6 Mth Hardship Repayment Freeze + 0.3% Bundle Rebate @ ANZ
How long did it take from when you sent your documents/forms to when your refinancing application was approved? It has been 4 weeks for me...
19/05/2020 - 10:20
proudwanderer replied to martino on 2.19% Fixed 2 Years Owner Occupied + 6 Mth Hardship Repayment Freeze + 0.3% Bundle Rebate @ ANZ
You will get an additional 0.3% cashback from this broker - in addition to the cashback paid by ANZ. Note that the broker's cashback is...
08/05/2020 - 15:04
proudwanderer commented on 2.19% Fixed 2 Years Owner Occupied + 6 Mth Hardship Repayment Freeze + 0.3% Bundle Rebate @ ANZ
Apparently ANZ are also inundated. Got an email from him on 24/4 which stated that they expect "ANZ to provide approval within 1-2 weeks,...
06/05/2020 - 15:52
proudwanderer commented on $10 off Per Month for 6 Months for All Unlimited nbn Plans + 14 Days Risk Free Trial @ Tangerine Telecom
Would appreciate a referral code as well :)
05/05/2020 - 17:23
proudwanderer replied to jackary on Amazon Echo Show 8 $99 (+ Delivery or Free CC) @ The Good Guys
If RRP is $299 - and some guy bought it 4 for $99 each let's say - for arguments sake let's assume his purchase of 4 went through and was...
30/04/2020 - 15:35
proudwanderer replied to justtoreply on Amazon Echo Show 8 $99 (+ Delivery or Free CC) @ The Good Guys
What are you reporting him for?
30/04/2020 - 15:27
proudwanderer commented on Amazon Fire TV Stick Basic - $54 Delivered @ Amazon AU
How does this compare to Android TV - something like the Xiaomi Mi Box S
28/04/2020 - 13:12
proudwanderer replied to ady211 on 2.19% Fixed 2 Years Owner Occupied + 6 Mth Hardship Repayment Freeze + 0.3% Bundle Rebate @ ANZ
Perhaps your broker is trying to avoid you having a small net balance so that they can get a higher commission—> the higher your net...
19/04/2020 - 13:12
proudwanderer replied to ady211 on 2.19% Fixed 2 Years Owner Occupied + 6 Mth Hardship Repayment Freeze + 0.3% Bundle Rebate @ ANZ
Yes - your broker is wrong. Look here: https://www.ozbargain.com.au/comment/8465666/redir Check the linked image. See how it says: "For...
19/04/2020 - 12:34
proudwanderer replied to ady211 on 2.19% Fixed 2 Years Owner Occupied + 6 Mth Hardship Repayment Freeze + 0.3% Bundle Rebate @ ANZ
No - the net balance impacts the brokers commission - yes - and therefore impacts the rebate the broker is able to offer you. However the...
19/04/2020 - 12:16
proudwanderer replied to Danger on 2.19% Fixed 2 Years Owner Occupied + 6 Mth Hardship Repayment Freeze + 0.3% Bundle Rebate @ ANZ
Yes you are eligible for the ANZ $4k cashback - the only requirement is that your loan size is more than $250k - whatever you have in the...
17/04/2020 - 20:30
proudwanderer replied to Danger on Home Loan Refinance Deal - $1000 Extra Cashback on Top of Any Lender Offer for Balances over 400k
Can be done via internet banking. ANZ for example, you can redraw any amount, no minimum online and will be transferred to your ANZ savings...
17/04/2020 - 20:23
proudwanderer replied to Danger on Home Loan Refinance Deal - $1000 Extra Cashback on Top of Any Lender Offer for Balances over 400k
>General Question: Does home loan with Redraw facility allow to go personal saving to the loan account. Let's say I take $500K loan and...
17/04/2020 - 12:12
proudwanderer replied to Danger on Home Loan Refinance Deal - $1000 Extra Cashback on Top of Any Lender Offer for Balances over 400k
With redraw, it is not the same as having a savings account. Example: 1) $500k loan, $100k extra repayment into the home loan account -->...
17/04/2020 - 12:03
proudwanderer replied to Adrian Player on Home Loan Refinance Deal - $1000 Extra Cashback on Top of Any Lender Offer for Balances over 400k
Yes I know what you are saying. But what if I don’t disclose that I have a large offset? I tell you that I have a 900k loan and zero...
15/04/2020 - 13:44
proudwanderer replied to Adrian Player on Home Loan Refinance Deal - $1000 Extra Cashback on Top of Any Lender Offer for Balances over 400k
No, but it is just an example inviting you to clarify your statement of "no clawback". So, if I were intending to do that - it may be...
15/04/2020 - 13:05
proudwanderer replied to Adrian Player on Home Loan Refinance Deal - $1000 Extra Cashback on Top of Any Lender Offer for Balances over 400k
>There is no clawback on the $1000. If you lump sum pay the loan off or sell the property then i hope with the service i have provided you...
15/04/2020 - 12:38
proudwanderer replied to Adrian Player on Home Loan Refinance Deal - $1000 Extra Cashback on Top of Any Lender Offer for Balances over 400k
I understand completely that the bank pays you a commission for the referral (my guess is probably around 0.6% of the net balance at...
15/04/2020 - 12:14
proudwanderer replied to Adrian Player on Home Loan Refinance Deal - $1000 Extra Cashback on Top of Any Lender Offer for Balances over 400k
I suspected as much. You really need to make it clear in your advertising that the $400k is the “overall net balance” for up to 12...
15/04/2020 - 11:49
proudwanderer replied to jlim87 on Home Loan Refinance Deal - $1000 Extra Cashback on Top of Any Lender Offer for Balances over 400k
It doesn’t affect the ANZ $4,000 rebate - as the only criteria that ANZ imposes is that the loan size needs to be over $250k regardless...
15/04/2020 - 11:24
proudwanderer commented on Home Loan Refinance Deal - $1000 Extra Cashback on Top of Any Lender Offer for Balances over 400k
In your title you say “balance over 400k” then in your description you say “loan size” - which is it? So say I have a loan size of...
15/04/2020 - 10:24
proudwanderer commented on [eBook, Audiobook] Free - Coronavirus and Christ by John Piper @ Crossway
Who’s god? So he’s the one behind all this then (i.e. the pandemic)?
09/04/2020 - 09:34
proudwanderer commented on YouTube Premium INR ₹129/Month via YouTube India (VPN Required, Single ~$2.81/Month, Family ~$4.17, Student ~$1.73)
I connected to VPN to India server then clicked on the link for paid membership then signed in with my account. But when I click on Learn...
04/04/2020 - 19:04
proudwanderer commented on Boost Mobile Prepaid Recharge Voucher 12 Months 240GB $270 (Was $300) @ Coles in Store
Is this going to be a rechargeable voucher as Coles normally does? Or must it be a new SIM card for new customer?
31/03/2020 - 19:02
proudwanderer replied to Danger on 2.19% Fixed 2 Years Owner Occupied + 6 Mth Hardship Repayment Freeze + 0.3% Bundle Rebate @ ANZ
> I think this is going to be a deal breaker from me. Well, the way I look at it is: - 2.69% variable rate for Breakfree package -->...
27/03/2020 - 12:58
proudwanderer replied to Danger on 2.19% Fixed 2 Years Owner Occupied + 6 Mth Hardship Repayment Freeze + 0.3% Bundle Rebate @ ANZ
I think what he is saying is that there are 2 types of rebates here. ANZ $4,000 Rebate ----------------- - Eligibility criteria - Loan size...
27/03/2020 - 12:19
proudwanderer replied to SirMurduck on eBay Mega-Weekend: Pay $1.10 When You Sell
Haven’t received email from eBay - and the above link no longer works
21/03/2020 - 13:58
proudwanderer commented on eBay Mega-Weekend: Pay $1.10 When You Sell
Got this email: Hi XXXXX, We're writing to you to give you some important information about the Mega-Weekend promotion you entered this...
21/03/2020 - 08:51
proudwanderer replied to madster09 on ANZ 2.68% Fixed 2yr Home Loan + $4000 Refinance Rebate + 0.3% Bundle Rebate
There was another 0.25% rate cut announced today by RBA in response to caronavirus - this is on top of the 0.25% cut announced on 4th...
19/03/2020 - 16:42