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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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Linda

3 years ago

Hi Russell, as mentioned there are many factors which will determine the best deal ie; debt to value ratio, fixed or variable, interest only or principal & interest etc. The best deal is really the one that suits your goals and objectives. It is best to discuss your financial position and objectives with a broker, if you would like to discuss further please contact me via my profile.

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Jonathan

3 years ago

Hi Russell. Let's assume you have a low debt to value ratio. You could get as low as 3.64 %. But the important thing in the current market is to find someone you can trust that can track rates so you don't have to do all the hard work of researching another few years down the track. Our company has software that tracks your position against market rates.

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Guido

3 years ago

Hi Russell Thank you for your question. As you most likely aware off Finance is all numbers game153K refinance on a 170 K property not possible. Refinance of a investment property comes with difference requirements from the lenders than a owner occupied propertyMore details needed; including your estimated value of the property in questions, the location and current mortgage amount.

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Yuvaraj

3 years ago

Hi Russell, there are multiple factors which will determine the best deal. We need to first understand your current finance position to come up with the best deal that will suit your requirement.

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kelvin

3 years ago

Hi Russell - As suggested already owner occupied and investment loans are priced differently. Also its not the rate but the repayments as many times I provide an overview of 5 or more loans and its not the lowest rate that has the lowest repayments (application fees, monthly fees etc). Also - depending if you want to pay more off your loan fixed rates generally have $10k-$30k max extra repayments allowed.

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Kyle

3 years ago

Hi Russell, the best deal very much depends on what your goals are. For example if you were looking to pay extra into the loan to pay it off as quick as possible it might be worth staying variable and looking at the rates there. If you are happy to just let the loan tick a long fixing might be the best idea. I would encourage you to put a few details into the system and get a broker to give you a call so that they can personalise the offer or recommendation to your specific situation.

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Derik

3 years ago

Hi Russell, the rate would depend on wether it is an owner occupied property or an investment property. If it was owner occupied you get as low as 3.64%. If it's investment loan you could get a rate of around 3.99%. These rates are all variable. If you wanted fixed, they would be slightly different.

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