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Amy

5 months ago

Hi, I agree with everyone here it is worth running through a review and making sure that the new rate will beat any exit fees you may encounter changing over.

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Junmin (Eric)

5 months ago

morning Angela, banks are offering very competitive rates and offers ATM, especially for Owner Occupied, as low as 3.55%. we usually do home visit to talk through your goals and strategies, long term plans, and work with you to build your portfolio. myself is an investor as well,there definitely things we could look at.

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Victoria

5 months ago

Hi Angela. It's a good idea to review your finances regularly to ensure the set up is the best for you. I'm unable to ascertain if your current situation is the best option for you as I'd require further information. Please contact me via my profile so we can chat further. Kind regards, Victoria

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Peter

5 months ago

Hi Angela, I think offset account nowadays does not much benefit because of real-time payment. You can transfer any extra payment directly into a loan account and request back when you need. But if the package gives you a good rate and credit card comparing to basic home loan, it may benefit you. Online application or face to face is your choice. Sometimes it is just better to know each other and who you are dealing with. Please feel free to contact me through my profile in HashChing. Regards,

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Dean

5 months ago

Hi Angela. As the other brokers have suggested, the best way to answer that question is to do a full review of your lending so that I can look at your interest rates, and whether it makes sense to move you else where. There are some great deals out there, so even if you are on a competitive rate, we may be able to save you some money. I used to be head of home loan sales for Commonwealth Bank and I ran home loans at Bankwest, so I know how to negotiate you a great deal. I'm happy to meet you in the next few hours if you like - just contact me through my page.

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Milan

5 months ago

Hi Angela, hope you're well and thanks for inquiring. So, how competitive is your home loan? With the process we would need to meet in person or I might be able to offer you a competitive comparison with other most competitive offers and provide via email. That way I can provide you with a really clear set of offers so that you can compare with your current loan. Please let me know by visiting my profile and inquiring within my profile if you like to do that. Best wishes, Milan

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Ryan

5 months ago

Hi Angela, It really depends on what you are wanting to achieve. The benefits of an offset account can be substantial if structured properly (If you would like more detail regarding offset accounts, feel free to contact me via my profile). This should warrant the effort of reviewing your current facilities. Another consideration is borrowing capacity, each lender will provide a different figure based on their internal policies. Depending on the purchase price of the proposed investment property it may be advantageous to obtain the maximum borrowing capacity. This may be with someone other than ME Bank.

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Jennifer

5 months ago

Hi Angela This is a good idea, an offset is very beneficial especially for owner occupier loans. please visit my profile to get in touch, I would be happy to help you.

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Santino

5 months ago

Hi Angela, structuring your loan facilities properly may save you more interest on repayments. Absolutely worth a look. As per online application or meet with a broker I can deliver you the results over the phone with a quick no obligation consultation. Feel free to click on my profile to get in touch. Have a great day,

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Martyn

5 months ago

Morning Angela, a basic review on your current situation is a good idea, and then we can decide what would be the best tailor made solution to fit your current financial position. I am also based on the Northern Beaches, so click on my profile for more information. Regards Martyn

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Martin

5 months ago

Hi Angela, It cant hurt to look. You may have a competitive rate and no action may not be required. you can click on my profile to get in touch and we can review your rate, compare and if the savings make it worth while we can go from there.

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