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HashChing is Australia’s first online marketplace allowing consumers to access great home loan deals without having to shop around. Completely FREE to consumers, HashChing connects you directly to verified mortgage brokers who can further negotiate a better rate from the lenders and save you time, hassle and money.

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Glenn

2 years ago

Hi Matthew, I hope you're well? If you need to explore your best options on a 5 year fixed product and lender, please get in touch through my profile and I have access to over 40 lenders? Kindest Regards. Glenn Rowan

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Santino

2 years ago

Hi Matthew, there are plenty of great deals on offer. How have you progressed so far?

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Michael

2 years ago

Morning Matt, plenty of options here. What id like to understand is the reasoning behind a 5 year fixed rate. I only ask because its a rare loan these days considering market uncertainly. Please navigate to my HashChing page today and lets chat about it. Cheers Michael

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John

2 years ago

Hi Matthew, in very few cases would I suggest that someone have a 100% fixed loan for their owner-occupied property. This is because your ability to make extra repayments or to plug in an offset account is either not possible or very limited for a fixed rate. A fixed rate does provide some certainty around repayments which can be a positive but I would still be inclined to have a portion of the debt on a variable rate. If you are inclined to fix most of the debt then the primary consideration will be the lowest rate. Some of the credible second tier lenders are offering better value than the big banks at present. I am keen to hear from you. John

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Tim

2 years ago

Evening Mathew. Have you thought about having an offset with that 5yr fixed rate? It will provide the security you are looking for PLUS the ability to pay things off at a faster rate in that 5 year period. Remember, most of the fixed loans out there have very little flexibility or the option to make extra repayments. Something to take note of considering its 5yrs. A Fixed Offset Home loan. Its a very unique product. Happy to show you how it works. Regards, Tim.

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Allan

2 years ago

Hi Matthew, as above the best 5 year fixed rate is with Suncorp @ 3.99%, however the secondary rate post fixed period is 4.60%. (0.95% discount on their standard variable rate for the life of the loan) The ING Direct fixed rate is a bit higher @ 4.19% but their secondary rate currently sits at 3.79% as long as a portion of the loan is taken variable - minimum of $50,000 (1.01% discount on their standard variable rate for the life of the loan as long as the total borrowing is > $150k & loan to value

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Nikki

2 years ago

Hi Matthew, best rate I have found is 3.99% for a 5 year fixed rate option. You will need to take into consideration a number of factors if fixing for such a lengthy period. If you are in the Gold Coast or Brisbane/Ipswich region I am happy to meet with you to discuss your particular needs. I will provide you with some competitive choices and help you every step of the way to find a better deal for your refinance.

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Robin

2 years ago

Hi Matthew. Not sure I would recommend 5 years Interest Only. There are better options. Best to give me a call to discuss.

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Adrian

2 years ago

Hi mate, Can get you 3.94% click on my profile and get in touch we have an office in Adelaide and Melbourne Regards Dom

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Peter

2 years ago

Hi Matthew, as everyone has stated there is plenty of options availability at good rates. I'm based in Adelaide please don't hesitate to contact me.

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Elly

2 years ago

We certainly can have a look at this for you, is just your home loan you want to refinance or are there some unsecured debt you want to consolidate as well? we would need to set up aa meeting and ascertain your personal wants and needs before recommending a product we will work out how much you can borrow and then negotiate the rate, fell free to contact me Regards EC

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Sean

2 years ago

Hi Mathew, I can certainly assist in getting the very best interest rate and product for your specific need. I use a virtual meeting room so I can have a face to face meeting with my clients no mater where they are. Give me a call or email and lets get it sorted for you. Cheers Sean

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Luke

2 years ago

Hi Matthew, there will be a lot of factors that affect what rate you can get and with who. If you are in Perth, please feel free to get in touch and we can have a quick chat to see what suits you best. Regards, Luke

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Nicholas

2 years ago

If you are looking for assistance on a loan in the Northern Territory please don't hesitate to contact me through the profile link. Regards Nick

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Len

2 years ago

Hi Matthew, we have the same lowest 5yr fixed rate, but I suggest you can also consider the cheapest sweet spot of 3yr fixed of 3.79%. Please see my profile, love to help you.

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Odette

2 years ago

Hi Matthew. If you live or work around Sydney North Shore or Northern Beaches, I would love to have the opportunity to work out your borrowing power and negotiate better rates on your behalf. Please contact me via Hashching. Cheers.

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Ken

2 years ago

Hi, Matthew, The best 5 years fixed rates are being offered by Suncorp & ING. I would like to know more about your specific objectives before recommending a specific product. more than happy to assist you any way that I can. Regards, Ken

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David

2 years ago

Hey Matt, Best rate I have is Suncorp 3.99%. Just be aware that there are break costs and restrictions on how much you can pay off over the fixed period. Feel free to get in touch.

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Steve

2 years ago

Hi Matthew more than happy to assist you with this. When considering a long term fixed interest rate, it is important to consider your long term and specific objectives and any costs and limitations to such a product. Feel free to call me to discuss

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Jassie

2 years ago

Hello Mathew Best rates are from Suncorp and ING direct and you are looking at 4.19% 5 years fixed. Happy to answer further queries. Regards Jassie

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