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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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LEZLI

1 year ago

Hi Jen, I have Investment rates - variable - from 3.74% - clean credit - 80% LVR. If you are interested, I have access to 50 lenders with 000s of products. Please contact me via my Profile page. Look forward to hearing from you. Lezli

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Arpit

1 year ago

Hi Jen, Do you only intend to re fix the loan or you are considering leaving some portion variable too? considering you are allowing good amount of redraw we might consider variable options too subject to your repayment capacity we can give you some options to get the process started now as we have a bit of time till January 2019 it might not be a good idea to quote fixed rates now Please let me know what you think and we can discuss further via Hashching

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Adam

1 year ago

Hi Jen, if you fixed or remain variable is usually determined by your appetite for risk (rate rises) and your future intentions (can you see a sale of the investment in that term). The best rates for investment/fixed are at 3.95% for two years with a loan of 250K + or 4.05% with Westpac so unless there is an offer by the lender to pay refinance costs (there are promotions all the time) then you should reroll with Westpac. Saying all this rates change weekly so this advice could completely change by Jan 2019 and Jan 2020. I would leave funds in an offset regardless if you move lenders as this gives you flexibility. If you would like to organise a video conference to discuss the scenario please let me know. Regards Adam REAG Finance

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Daniel

1 year ago

Hi Jen. The 4.19 is a good rate. Although I can get you 4.08 but the exit costs won’t leave very much ion savings. Re fix for another 2?or 3 years at almost the same rate. Regards

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Aaron

1 year ago

HKD is fine. But your rate if you changed lender may be the same or more than Westpac once the fixed rate ends. I would suggest waiting to see what Westpac is going to offer, and if that's too high, then move the loan elsewhere if possible.

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jen

1 year ago

Thanks Aaron HKD and yes I am an Australian citizen

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Aaron

1 year ago

Depending on currency, but it depends on what your interest rate reverts to when it goes variable. You don't have lots of options I'm afraid, but depends on currency you earn and if you are an Aus citizen.

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