Hi DanielI would like to ask you when and where did you ask to do a valuation of your properties?Did you ever ask NAB for a better deal?Did you ever consider to freehold your residential property ? As increase in lending on your investment properties, could (perhaps) have a positive impact on your tax liabilities (paying less tax) I would recommend talk with NAB to get a better deal (as the cost could be sustainable less than a refinance)If you not happy with the answers from NAB come back to this webpage (#ashChing) fill-in you detail in the financial enquiry and your local broker will contact you.
Hi Daniel, There are definitely some great rates out in the market if you want to move lenders. I can also organise pricing on your existing loans if you want to stay with NAB. Looking at your rate I can do significantly better on your owner occupier. It is best to sit down with you and discuss your full financial situation in more detail, if you are in WA please contact me to make a catch up time.
Hi Daniel, I think that whilst you can get better 'rates' from other lenders you should remember why you like using NAB in the first place...My personal suggestion would be to look at a great lender for your owner occupier loan, with all the features you want and then go with a basic investment loan for the other two. Owner occupied rates are cheaper than investment loans but it's still realistic for us to save you $1200-1500 in interest next year alone.Get in touch with me if you want to chat further. No obligation.Good luck :) Lee
Hi Daniel,This is Peiran Hu from Keyinvest Lending Services based in South Australia. I am a NAB Premium Broker and I normally get high discount from NAB which will be helpful for your scenario. Please check on my profile and contact me to see what I could assist you.Cheers.Peiran
Hi DanielAre you on fixed or variable? If you are on fixed you would have penalties for getting out of the loans so you may need to check what this would be, currently there are variable rates as low as 3.64%pa with 100% offset and no ongoing fees but we would have to look at your overall situation to see if this fits.Feel free to contact me for a chatKind RegardsNikki
Hi Daniel,As the other brokers have stated, can apply to NAB to see what they can offer pricing wise to retain your business. At the same time I can give you options with other lenders in the market and obtain pricing discretions with other major banks if you would prefer to remain with a high street bank. Looking at your rates, I would say that you can definitely improve significantly on your owner occupied rate and also shave a bit off the investment rates. Most lenders have different rates and pricing structures when it comes to owner occupied verses investment. Assuming you decide to move the borrowing to another lender, if you are in Victoria, I would be happy to sit down with you face to face to go over the structure with you and to make sure that the product and features exactly meet your requirements. You can request a call back via my profile on this site.Good luck with your decision.Allan Houliston
Happy to have a chat with NAB on your behalf and see what rates we can get. Jump on to my profile and get in touch with me to get the ball rolling.
Hi Daniel,I can get you a rate of under 3.89% across your home and investment loan with all the features you have with NAB. I'd be happy to discuss this with you so feel free to call me on 02****0788.Kind Regards,Jerry Martino
If you want to stay with NAB ask for a pricing request. If they can't match or beat what is on the market then go elsewhere. Happy to put in a request for you. Wendy
Hi Daniel,Great rates and deals with many lenders at the moment.It's important to also ensure that the lender policies work with you and your plans.Happy to assist you.Warm regards,Randa
Jennifer
Daniel I can most likely get you an interest rate starting with 3 for all of your properties.Contact me for a obligation free discussion.Kind RegardsJennifer