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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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Tamara

11 months ago

Hi Jade, it always helps to shop around. There are several packages on the market today that have additional features, when you may not be able to receive as many features on a different packages with a lower rate. It is great that you are making comparisons for the most suitable product for you. I would be happy to assist you compare these products if you would like to contact me to discuss further. Kind Regards, Tamara Ives - Home Loan Specialist

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Milan

1 year ago

Hi Jade, Premium broker with HasChing here. Happy to discuss your options and provide you with alternatives. Any broker you deal with here will help but If I can briefly answer your question/s now, I will be happy to discuss in detail once you click on my profile and inquire within. CBA offered you 2 products, I compare thousands of products in the market! There are many products in the market you will find that will be exactly the same at a more competitive offer and I can find that for you. Finally CBA came approximately in ranking 15th place in range by competitive offers in the market at the moment. Best regards, Milan

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Vivek

1 year ago

Hi Jade. There are many lenders who offer similar products. When paying the annual package fees, the key question is will you be able to recover this cost via savings. Sometimes a basic product is more suitable. When going for a fixed rate, one needs to consider many factors. Overall, as an accountant and mortgage broker, I assess customer needs and strategy before working with them to arrive at a lender/ product. When one goes direct to the bank, it becomes a case of fitting the customer to the lender criteria!!! Please feel free to reach out via my profile to discuss. Kind regards Vivek Perti

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Eddy

1 year ago

Hi Jade, Is there a reason why you decide to go with CBA? Many lenders have this package deal with similar annual fee. What rates are CBA giving you? As mortgage broker, we can ask for special pricing on the rates, usually more discount than what CBA branch lender can give you. If you doesn't need a credit card, I have a lender that offer no annual or ongoing fees on offset account. Regarding the split loan option. its all depends on your goals. I'm more than happy to discuss further with you. Speak soon.

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Luke

1 year ago

Hi Jade, thank you for sharing. You will find most of the lenders offer quite similar packages as you have described - each with their unique niche depending on what is going to be most important for you. Our role as mortgage brokers is to understand a bit about your current and future circumstances and work with you to find the most suitable loan set up for you. Their are plenty of great reasons to chose CBA, just as there are for many of the other lenders we work with but but it will come down to what is best for you. Feel free to send me a message from my profile if you'd like some assistance! Luke

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Glenn

1 year ago

Hi Jade, I hoe you're well and thanks for your questions? There are other lenders in the market who can offer better rates and products for your needs but as a broker we need to look at the whole picture and then provide options for you to decide on if one lender is better than the other? Do you need branch access is an example as there other lenders who may not have a large branch network or none at all and they can offer you a better deal as they have less overheads to operate as a lender. Also what is the loan to value ratio for your loan? Loan amount divided by the property value? Under 70% I can offer you a lender with no fees and a similar product to the one offered by CBA and a much better rate than what they are offering you? If you wish to explore some other options opposed to CBA, please get in contact through my broker profile and we can look at further and other options? I have access to over 40 lenders and my service to you is free of charge plus I'm a gold broker with HashChing which means you will get excellent and experienced assistance if you would like me to help you and your husband? Kindest Regards. Glenn Rowan - Senior Mortgage Broker ( Get Interested - Finance & Property Investment Pty Ltd).

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Hassan

1 year ago

Hi there Jade, As a professional mortgage broker I have access to over 20 lenders/banks (including CBA) so we can definitely make sure you're getting the best deal possible. A split loan option works great for some customers but it definitely depends on a few factors including extra repayment goals, your thoughts around potential rate rises etc. I will be happy to assist if you wish, just click through my profile to contact me! Hassan

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Kahtan

1 year ago

Hi Jade there are similar offers with much better rates so message me to discuss further.

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