Good Evening Mohit, Thank you for your enquiry. In order for any credit adviser to quote on a rate, it is necessary to obtain a financial snap shot of your circumstances for example, length of employment, credit rating and loan to value ratio requested. These all impact the interest rate applicable. With regards to rates already quoted, please understand these products may not be applicable for your circumstances. Please feel free to contact Hashching and they will put you in touch with a Broker who is closer to you. Regards Michael
Hi Mohit Unfortunately cheapest loan isnt always the best OR most appropriate loanAs most brokers have suggested , need to take personal circumstances into accountAlso what a lender offers today , especially as a "special rate"can quickly change tomorrow e.g. Bank of Sydney , Bank of QLDWhat I can offer is a 3.58% loan , with interest only or principal & interest , extra repayments , redraw, offset account ,Line of Credit and a $299 annual fee If you want annul fee waived , rate is 3.68%This is not a "special rate"it is the lenders current interest rate I can provide
Hi Mohit,I just wanted to introduce myself and offer my services. I know you will be chasing rate on this one based on what you've written. But I think it's important to see the fuller picture before advising specifically. Every bank is different and there are financial pro's and cons with each. Broker's don't usually tell you but I'm sure the above is evident we can all virtually get around the same rates give or take. What's important is that you pick an adviser you can trust.Thanks for readingJonathan
Hi Mohit, I hope you are well. 3.74% with ING is about the best I can offer for a loan of $251k. $250 settlement fee and $199 per year ongoing. Comes with 100% offset account. Variable rates are starting to move upwards so it is suggested that you act quickly if you want to secure this rate. Regards, Bez
Hi, Mohit, one of the best variable rate offers at the moment is 3.59%pa with comparison rate of 3.60%pa when you are borrowing less than 80% of your property value. Monthly repayments over 25 years would be approx. $1290. This lender is waiving the application fee for all applications received before 31/12/2016. There is free redraw, and 100% offset account $8 per month fee. Refinance fees would be approx. $500 - to discharge the mortgage with your current lender, and $214 to register. There is no fees to make lump sum payments. Hope that answered your query.
Hi Mohit Rates starting around 3.59 Variable and 3.64% fix, however, your personal circumstances may impact the rate we can get for you. You mentioned offset account and redraw, if you have an offset account you don’t need a redraw facility. You should consider getting a redraw facility and a variable interest rate. You pay your normal fortnightly payments plus whatever more you can.If you need the money again, you can do a redraw. (redraw facilities have normally no fees, offset have fees)I would recommend you filling in the enquiry form on this web page and HashChing will assign a broker close to you, to contact you. This broker will be in a position to do the calculation of the refinance costs, and offer you the best interest rates based on you personal circumstances. All the best
Hi Mohit,Trust you are well, with only minimum information you have provided the best rate available as of now is between 3.71%-3.89% depending on which lender you choose. As not all lender will fit your primary requirement.I am happy to do a pre-liminary consultation which is obligation free.
Hi Mohit, here are a few possible options: there is available 3.69% variable with application fee but no ongoing fees (comparison rate 3.75%) , 3.74% with $250 settlement fee and annual fee of $199 (comparison rate 3.95%)or 3.83% with no application fees or ongoing fees (comparison rates of 3.83% )
Hi Mohit, Suncorp is currently offering 3.71% lowest rate, will depend on your personal circumstances off course. Regards Azm
Hi Mohit,Thank you for your inquiry.There potentially is a number of options we have for your situ****tting a full understanding of your situation would be the best move first, however Choicelend always springs to my mind as they are offering 3.86% Owner occupy with free redraw facility and no account keeping fees and a low annual fee of $120 PA which much less than the majors.This should give you a starting point. Also keep your eye out for those extremely low interest rates as sometime they come with high fees and charges. CheersJoe
Good afternoon Mohit. At Switzer, we can consider a 3.59% variable rate option for Principal and interest repayments. The facility has no establishment or ongoing fees and a free offset facility and full internet access.
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Thomas
The possible good rate for owner occupied property will be 3.69%are you happy about this rate?Please be free to call me back on 04**** 825Thomas ChenHome Loan Specialist