Menu

About us

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.

Contact us
person img
verified icon broker img

Abdul

1 year ago

Hi Jensen. I am gathering your loan is an owner occupied home? if so there are great rates out there as principal and interest. We have over 30 lenders that we deal with but have an example that we have a lender if LVR is under 80% at 3.99% for 3 years and 3.84% at 2 years also an option for you. Please feel free to make contact through my profile page if interested

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Suresh

1 year ago

Hi! Jensen. I hope you are well and appreciate your enquiry through HashChing. I understand from your enquiry that you are keen to refinance your existing mortgage with a 3 year fixed term, which is a good option in the longer period, as part of responsible lending it is my duty to understand your option to fix your home loan in current environment, as this will enable me to share the pros and cons of choosing a fixed rate, that will help you make a knowledgeable decision. Do advise of a time that is convenient to you so that we can meet up and discuss all of this. What you can expect from our meeting will be a complete understanding of the process, interest rates offered by other lenders for a fixed rate, rate locking if you still choose this option after our meeting. This meeting will help you make the right decision with the right knowledge of proceeding with a Fixed rate as one of my business philosophy is transparency that is a strong pillar to an ever lasting business relationship especially when loans are designed over a 30 year period. My best contact is 04****31 or email on s****@dbij****.au. Look forward to hearing from you soon. Best regards Suresh

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
verified icon broker img

Danny

1 year ago

Hi Jensen, it would be great to discuss your option whether fixed or variable. Majority of my clients are happier with their decision after having a chat because they weren't 100% of the best available options. Would value the opportunity to help when you are ready. Cheers, Danny.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Chris

1 year ago

Hi Jenson, Thanks for your question. There are several things that you should consider when looking at variable & fixed rates. In answer to your question though, there are rates available from the high 3% range. Its best to have a chat to us as different lenders may have different features along side the fixed rates such as offset accounts etc. Feel free to contact me via my profile to chat further.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Sally

1 year ago

Hi Jenson, Thanks for your enquiry. There are competitive fixed rates available in the market right now. However before embarking on the fixed rate option, you need to consider some non-financial factors as it may affect your goals in short to medium term. You may have to consider your goals in next couple of years as this may have a significant impact on your decision. You may even consider fixe only a portion of the home loan. Having looked after many clients in your shoes not only from loan point of view but based on client’s life phase, near to medium term goals and many other factors, you could rely on a advise of a mortgage broker like us. Feel free to contact me if you need further assistance. Regards Sally

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Peter

1 year ago

Hi Jensen, Thank you for your enquiry. While considering fixed rate options there are a few other important things to understand as well. Very competitive rates are on offer and we must consider other features which are equally important before deciding on the basis of the rate alone. Happy to discuss them with you and assist you in getting the right loan that meets your objectives.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Guy

1 year ago

Hi Jensen All my colleagues are correct here. The rates are well under 4 for three years. It is also important to structure you loan to suit your circumstances. I am sure you have already considered your reasons. Happy to discuss further and my contact is on my profile.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
verified icon broker img

LEZLI

1 year ago

3.79% fixed 3 years for Owner Occupied. Please contact me via my Profile Page. Thank you. Lezli

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Jensen

1 year ago

Hi Russell, loan is for an owner occupied, LVR is around 60%. Thanks

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Ben

1 year ago

Hi Jensen, there are some great 3 year fixed rates from 3.74%-3.86%. Give me a call if you would like me to help you out. I’m also a qualified accountant, so am more than happy to catch up and go through everything with you.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Russell

1 year ago

Hi Jansen I need to understand if this is for owner Occupied home or investments, also the loan size, the LVR that is the percentage that you are borrowing to the purchase price, all these factors have a bearing on the best rate you can get. If you can answer these above questions then I can give you an indicative best rate Kind Regards Russell

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
verified icon broker img

LEE

1 year ago

Hi Jensen. My colleagues above are spot on. 3.7% range but it’s not that simple. Will need to ask a few questions to check that these products are suitable. Check out my reviews and get in touch if you want me to explain properly and make this as smooth as possible. Speak soon

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Sean

1 year ago

Hi Jensen, Hope your well? Thanks for your enquiry. There is some very competitive 3 year fixed rates out there at the moment from a number of different lenders. Not wanting to promise you something that you may not qualify for it's probably best if you contact me so, we can work together to see what fit's your situation. Sometimes we can chase the rate and forget about the fees that may come attached with a refinance particularly with fixed rate loans.If you would like to discuss further please click on my photo which will give you my contact details. Look forward to hearing from you soon. Sean

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Callum

1 year ago

Hello Jensen, It would be great if it was that easy (maybe I wouldn't have a job then) theres a whole range of factors that would influence what the 'best' product is for your scenario, such as fees, other features on the loan and your finances! Certainly in the range 3.7%. What is your email address or phone number and we can get a better picture on a more personal level Regards Callum

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel

New home loans from 2.88%

Find out more

Loan Calculator