Hi, i do have a special rate of 3.74% fixed 3 years OO - have asked my BDM for 5+. will get back to you asap.
Hi Phil, if you have a home loan and one or more investment loan/s we can offer a product where your HOME LOAN interest rate can be reduced below 3%. However, an eligibility criterion applies for you to be qualified for that product. Also, you need to keep your HOME LOAN portion under P&I [principle & interest]. This innovative product has been developed for investors to reduce their home loans rapidly with some additional tax benefits. if you are interested please get in touch with us. Thank you!
Hi Phil, there are plenty of options that meet that criteria. Whether its the best for your situation is the question. Get in touch via my profile page and I can help you decide if its right for you. Thanks Matt.
Hi Phil, Please call to discuss your objectives as that will be the best way to understand what your requirements are and accordingly we can work with banks to get best possible variable/fixed rates or part fix/variable
Evening Phil, initially my thinking is what is the reason for wanting to fix your rate for 5 years? Are you expecting cash flow to change? Are you needing to budget specially for any major expenditure outside of loan repayments. Fixing your rate for longer than 3 years would warrant an experienced mortgage adviser to assess your complete picture including future plans. I say this because markets change, personal circumstances change and more importantly Lending products change from day to day on this climate. I'd advise you to get in touch with an experienced professional who will help consider your objective and advise you of risks v benefits of conisdering lonterm fixed rate contract. Happy to have a chat over the phone anytime tomorrow. Please visit my profile on HashChing and get in touch. All the best Michael
Hi Phil, I would love to have a chat and actually find out the motivations for a 5+ year fixed rate. Sometimes it isn't always the best option and what a mortgage broker should do it actually find out why rather than just offer you a shiny rate. Especially with limited time only offers etc. I would think through the reasons and talk with a broker before signing up to limited time offers especially if you look at the way the market moves over a 5 year term. Happy to chat openly and honestly with you and offer my opinion rather than just lock you in with a rate.
The rate is not everything - you should also look at the comparison rates some of these specials have high comparison rates. Splitting the loan may be the best option too rather than fixing the whole loan as this gives you more flexibility. Fell free to contact and we can look at different options for you.
Phil, there are great deals under 4%. Obviously any finance professional will first need to review your situation to see if this is possible. I'm happy offer you a complimentary service without broker fees, I have access to popular loan products as well as more hard to find exclusive ones.
Hi Phil, There are some lenders offering around the rate you are looking for. We could have a chat regarding the current fixed rate and your needs.
Hi, Phil Yes there is for a limited time a 3.99% 5-year fix affable. However, you should also look at the comparison rate it does not help you to get a low rate and then beeing hit with transaction fees, monthly, quarterly fees and or yearly fees as this will bring the real interest rate up. You should also look at a 4 + % as this could be the cheaper solution. All the best
Hi Phil, The lowest 5yr Fixed rate across our Panel of Lenders from a reputable bank is 4.29%; however subject to your scenario like the Loan Amount and LVR we could negotiate below this. There is also a limited offer from a Major Lender that we could look which is offering 3.99% and expires on Friday. The key thing to think about is the level of flexibility and features you require now and into the future which the Loan Product may not cater for. So even if the rate is right the Loan Product may not be and will end up costing you money. Happy to have a chat and work to provide you the best possible outcome. If interested give me a call. All the best Adrian.
Hi Phil, happy to assist. I think it should be mentioned that the rate shouldn't matter as much as the product itself. Make sure that the product has the flexibility you require and meets your longer term goals. A low rate combined with a product that has no flexibility will end up costing you more.
Hi Phil, As you can see from the existing response the rate you are after is readily available in the industry. It would be interesting to have a chat about what other requirements you may have apart from just the rate. Do you have any plans in the next few years? A savings target perhaps? Would an offset account be handy? I would love to have a chat and see how we can get a solution that fits all your needs I think it is important to have a look at your overall situation as well as getting you a cracking rate before the interest rates climb to much. Let me know if you are keen chat soon
Hi Phil, I have a 5 year fixed 3.99% with a Major bank - has to be principle and interest repayment. The offer expires this Friday, so please contact me if you are interested. Thanks Jeremy
Alun is right, we have access to this for a limited time so I'd suggest you get cracking! :) We received an email last week about it but thought it finished Friday, so double checked and it states "for a limited time only". So guess it still should be available! Also, can do NSW if you are keen to chat tomorrow so I can run through the details and see how quick we can get it sorted for you. If so, reach out via my profile. Cheers
Hi Phil, There a few lenders offering around the rate you are after, if you want to have a chat , to see if the fixed rate product is exactly what your need, more then happy to.
Hi Phil, out of my panel of 37 lenders the lowest 5yr fixed (for a reputable bank) is at 4.29% currently. Depends on a few things, such as loan amount, Loan to Value Ratio etc but that's still a pretty good deal given the way banks have been putting rates up recently! If you're in Melbourne sing out. Good luck
HI Phil, I have access to a 3.99% five year offer with a major that won't be advertised. It'l be for a limited time only so if you need any more information feel free to give me a call.
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hi, can help with 3 year fixed 3.74% - have asked for 5+ years from my BDM. do have over 40 lenders. so will be able to help. wait to hear from you. thank you.