

ED ED ED! Hello Ed, How are you finding Has Ching? How are you finding the brokers here? You can arrange a home loan from any broker, but hire the right that can help you grow your property porfolio. Showing you the way to build your portfolio and find the rates that will allow you to pay your loan down and acquire wealth or passive income. Thats what we do. 10 Year Experience , service is free. Rates from 4.04% 3 year fixed investment or owner occ 3.74%.

Hi Ed R, great question & one we brokers hear all the time & with this ever changing lending platform the answer can change from day to day. From the basic information that you have provided in your question you appear to have a good land to value ratio, what I mean by that is the level of the loan amount you were looking for leaves a lot of equity still sitting the property which will help you when negotiating the best offer from any lender. What I would suggest getting a more tailored offer is to lodge a query & have one of the many experienced brokers on this platform help you get the most competitive offer.


Hi Ed, assuming your question means that you are interested in owner occupied home loans that are fixed for between 3-5 years on an interest only basis, then you would be looking at rates starting at 3.89%. This is subject to meeting the lender's credit policy. Feel free to contact me via my HashChing profile to discuss in further detail. Good luck Allan


Hi Ed, if the loan you want to refinance is an investment loan and if you also have a home loan, we can offer a deal where your owner-occupied home loan interest rate can be reduced below 3% [i.e. 2. something] depending on the amount of your home loan and investment loan/s. An eligibility criterion applies for that product under an ATO Ruling. You need to keep your HOME LOAN under P&I [principle & interest] and you can also have an Offset account. This innovative product has been developed for investors to pay off their home loans quicker with some additional tax benefits. Once we have the required information we can send you a report for you to compare the huge benefits in comparison to other generic loan products. This product is most suitable for investors and high taxpayers. If you would like to know more about it, please get in touch with us via HashChing. Thanks! Jay


Afternoon Ed. Wow lots of brokers looking forward to helping you out here! OWNER OCCUPIED: if the deal/rate doesn't have "3" in front of it you are doing something wrong ;) INVESTMENT: extremely low 4s. Happy to look at this closer for you if you're in Melbourne. A simple 5min chat and we can work it out. Have a look at my reviews/profile and get in touch if you're keen. Look forward to helping you out, if you so choose. Lee


Hi Ed, Thank you for your enquiry. The rate will depend on if the loan is for an investment purpose or owner occupier. Do you require a variable rate or fixed or a mixture of both? There are many rates and products in the market and the lowest rate may not be the best option for you. It would be best to contact a mortgage broker so we can fully understand what product/rate would best suit you. If you are in WA please get in touch. Regards Linda

Hi Ed, One of the most common questions brokers get is 'what is the cheapest interest rate?' It is not all that simple to answer these days. We need to know if the property is Owner Occupied or Investment, Principle & Interest or Interest Only (which you have answered), Fixed Rate or Variable Rate. If Fixed rate what term. More than happy to go through your current position and provide you with some lender options and give you my recommendations. Amanda

Demal
Hi Ed, Interest-only-loans are ideally preferred by investors to get the best rebate and to channelise the principal portion to owner occupied properties or to maintain/improve cash flow. Lenders treat interest-only-loans as more riskier than P&I payment loans. Therefore the interest rates are slightly higher than P&I loans. The lowest I can research is 4.09% per annum. Thanks