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Nigel

1 year ago

Hi Ken, I would be more than happy to work with you to find the absolute best outcome possible but I want to be clear that I never split the upfront fee I receive from the bank for introducing you. I work extremely hard for my clients and am worth every cent I am paid by the bank. I absolutely love working with my clients - it is a real passion of mine - and I do so by creating a strategy to find them the best outcome for not only this transaction, but for future transactions as I create a dedicated plan to help them grow their portfolio and achieve their investment goals. If you would like to be a part of this experience starting with the refinance of your owner occupied home, then please get in touch as I would be happy to help. Nigel

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Glenn

1 year ago

H Ken, I forgot to mention the product also has an offset account and the annual pro pack fee is less than the majors. Regards. Glenn

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Glenn

1 year ago

Hi Ken, I hope you're well and thanks for your questions? I can propose an owner occupied principle & interest variable rate with offset account depending on a full assessment of your situation and as long as you qualify for the product being 3.29% with no commission paid by the lender but you pay me a brokerage fee for what the lender would pay me as an upfront commission and no trail commission would be payable to myself either as this is the delivery rate from the lender? As long as the LVR is 80% and below? Over a time period you would recoup the brokerage fee or mandate paid by yourself in interest cost savings and the lender who I can provide this product from don't move their owner occupied rates up much at all over a long period of time being 4 years and have actually decreased them recently. How does this offer suit you? If you want to find out more, please get in contact through my profile link and we can go through the figures and repayments to work out how long until you recoup the brokerage fee I charge? Regards. Glenn

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Milan

1 year ago

Ken, please note that I understood what you meant and am happy to negotiate regarding your inquiry. The only thing is I can not click on your profile and send you a personal message, none can as you do not have that option. However I am happy to do what you're after if you click on my profile and inquire that way. Once you do that I can get your contact details and talk to you about exactly what you are after. Best wishes, Milan from Expert Mortgage Brokers.

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Ken

1 year ago

Thanks for all the replies. I should be more clear. What I meant by upfront fee rebate is the fees that the banks pay you for introducing me as a customer (I know this range from 0.5% to 0.7%). In addition, you get the trailing commission. What I'm after is someone who is willing to share the upfront fee rebate with me (win win case). The best offer that I've been quoted is with bank of sydney 3.58% offset , no fees and the broker is willing to share 0.35% of the upfront rebate. On a $1.4m loan, this work out to be a fee rebate of $4.9k for me. Less the citibank discharge fee and govt charges I should still be in the pocket for $4k+. If anyone can beat this or have a better deal, please message me and let me know your offer. I'm looking at refinancing asap. Thanks

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Daxa

1 year ago

Hi Ken, I can look at a great rate for you but we also need to understand that the best rate may not be the best for you. We also need to make sure the financial institution looks after you. Everyone's expectations are different. Hope to hear from you soon.

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Milan

1 year ago

G'day Ken, and thanks for inquiring. Please not there are various different banks that offer rebate and have different fees. This is something that can be discussed in more details in person. But the main offer the moment can be the most competitive rate, but depends on the fees, and terms and conditions behind the rate. So the rate itself would probably not be the only representative of the offer. But the comparison rate, anyhow the offer at the moment is 3.55% in general and your savings on this would be about $2,000 per year. Please feel free to click on my profile to discuss more and inquire via visiting my profile if you like. I'd be more than happy to negotiate the offers further for you if you like. Best regards, Milan from Expert Mortgage Brokers

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Adam

1 year ago

Hi Ken. I am open to discussing a rebate with you. In terms of rates, you have so many options available to you which i would be happy to run through with you. The lowest market rate may not be suitable to your everyday banking needs so there is much we can discuss. I am based in the city but also do home visits, if you would like to get in touch please click on my profile. Regards Adam

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Rashi

1 year ago

3.59 plus offset

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Michael

1 year ago

Hi Ken, 3.46 variable with offset is what I can offer. I am based on the North shore as well, happy to chat in person. Kind regards Michael

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Junmin (Eric)

1 year ago

the current best rate would be 3.55% for OO

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Iva

1 year ago

Hi Ken. All of us brokers can offer you the same rates usually starting from 3.54% principal & interest repayments for owner occupier loans. In terms of rebates - in my business, this is done on a case by case basis. I’d be happy to have a chat with you to discuss further. My office is based close to you so I can come to your home and have a chat if that’s easier for you. Click on my profile if you’d like to get in contact. Hope to hear from you soon. Kind Regards, Iva R.

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Junmin (Eric)

1 year ago

hi Ken interested to know what the " upfront fee rebate" mean.

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