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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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LEZLI

6 months ago

Hi Azra - Banks/Lenders should be advising you - but they can at any time, if there are 'arrears' or 'late payments' - looks like it is a 'default rate'. But please contact me via my Profile Page and I can get you OO rate from 2.89% variable. Look forward to hearing from you. Kind regards. Lezli

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PANKAJ

6 months ago

Hi Azra, Yes, the bank should notify you about your fixed-rate expiry. I generally notify my clients 2 months before their fixed rate expiry so that they have enough time to decide whether they want to fix it again or want variable. IF they are not happy with the current lender than Refinance with better rate is always our other option. Let me know if I can help you with your refinance. Currently, few lenders are giving cashback for $2k - $4k. You can get in touch with me through my profile.

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Steven

6 months ago

Please contact me o discuss the option. Without looking at the actual situation and the lender, it is difficult to comment. If your current lender is not willing to compromise, then we can definitely look for a cheaper option by refinancing the loan to other lenders. I will be happy to assist you with this. Look forward to hear from you.

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Danny

6 months ago

Hi Azra, your lender should normally notify you before the expiry date. As it has now passed that date we can look at refinance options for you to quickly reduce the rate back down to low 3's. Happy to talk with you.

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Troy

6 months ago

Hi Azra, Yes your current lender should have provided an update prior to the contracted change. A good broker would have done so as well. Please contact me via my profile and I will be happy to assist you to consider other better priced options. Troy.

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