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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

1 year ago

Hi Jag. Love to help you. Have rates rom 3.39%. Please contact me via my Profile page. Thanks. Lezli

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KIM

1 year ago

More than happy to help, Jag. With 40 years experience within the banking and finance community and access to 35 lenders, you can be sure I'm well placed to help. Interest rates start from around 3.5-3.6% but this doesn't necessarily equate to the highest lend or best product for your situation. Once we gain a further understanding of yours and your family's overall financial position, we can do an assessment for you at no cost to find the most suitable solution. Cheers, Kim.

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Suresh

1 year ago

Hi! Jag Appreciate your enquiry and upfront info shared. Given your settlement scheduled in October which I presume is a land & Building, it is a fantastic idea to know that after paying 5% deposit you have balance 15% , this is good as it will help you save on LMI but as part of lending criteria it is important to understand all your income and household expenses to evaluate your borrowing capacity! as I have helped many clients in similar situations over 14 years of my lending experience, happy to give you a hand to a find a lender out of 35 different lenders on my panel for you to choose from. Look forward to hearing from you soon Best Regards, Suresh

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Troy

1 year ago

Happy to help Jag. Please contact me through my profile. Troy.

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Daniel

1 year ago

Hi Jag. Please tell us your income. If your wife is getting centre link payments we can use that income as well. Cheapest interest rates doesn’t necessarily mean the highest lend. Choose a broker and we will figure it all out for you. Regards. Daniel

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Vinay

1 year ago

Hi Jag, thanks for sharing all the information upfront. With regards to your borrowing capacity, once we understand your income, assets and liabilities, the first thing we would look at is taking you to a bank which will have the maximum borrowing capacity based on your current situation. Interest rates are pretty competitive at the moment starting at 3.49% -3.69%. Please feel free to contact me if you would like us to do a calculation for your borrowing capacity. Kind Regards, Vinay.

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Danny

1 year ago

Hi Jag, by the sounds of your situation it would be important that we find you a lender that will approve your loan first and then focus on the rate. Happy to discuss your options tomorrow, to get in contact with me please click on my profile and input your details for a call, cheers. Danny

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Aaron

1 year ago

Two problems: 1. Settlement in October. Your approval only lasts for 3 months, plus you probably can't get it valued yet as it's 6 months away. 2. Servicing - You may have to come up with more cash if you aren't passing servicing, it's really not about interest rate at this point which seems to be the least of your worries.

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