Menu

About us

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.

Contact us
person img
verified icon broker img

LEZLI

2 years ago

Hi Kisa, can do from 3.63%. Look forward to hearing from you. thank you

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Eric

2 years ago

Hi Kisa, the best way is to wait for CBA's valuation. If you could provide your rate notice to me, I could arrange some upfront valuation to check your estimated property market value. Servicing is not an issue, we will need to have your all refinance statements to complete the process. Thank you, Eric.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
verified icon broker img

Morris

2 years ago

Hi Kisa, if the house value is coming at $860,000, the max loan will be $688,000 this is 80% of the value of the property, which will leave you a little short in consolidating as per the provided information, so you have 2 options 1) leave one of the loans unpaid to keep the new loan at 688K or, 2) go over the 80% LVR which means that you will have to pay an LMI premium Aprox $2000.00 and possibly not qualify for the best interest rate, the rate will be around 3.90%pa Variable and still can do 3.69% PA fixed 1 year.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
verified icon broker img

Linda

2 years ago

Hi Kisa, thank you or supplying some more information. Your financial position is very good and there are a number of lenders that would welcome your business and negotiate some very good rates. However the lowest rate may not be the best option for you, it would be better to get in touch with a mortgage broker to discuss some options in more detail. If you are in WA I will be happy to assist you. Please get in touch so we can discuss your options further. Regards Linda

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
verified icon broker img

Abdul

2 years ago

Hi Kisa. I am able to get you 3.94% if lending remains under 80% lend or 3.96% if over 80% lend

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
verified icon broker img

kelvin

2 years ago

Thanks for the extra details - Servicing OK - Another lender will do 3.60% fixed 2 years - first year saving $1393 - 2nd year total $2166 (inc all fees). That is using the 3.99% standard CBA owner occupied rate.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Denis

2 years ago

Kisa, Thanks for the additional information. On that information I am sure I could get you at 3.79% BUT to make sure i am doing the right thing by you I would like you to contact me and complete a fact find and discuss your option Thanks Denis

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Amanda

2 years ago

Hi Kisa, You are in a very good financial position and most lenders would welcome your business. I can give you some options and also refund you any bank discharge fees and government registration fees that you will incur with the refinance. You will not only save on interest but it won't cost you to move. Please get in touch so we can have a chat. Amanda

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Xavier

2 years ago

Hi Kisa, I can you to service and obtain a variable rate of 3.99%. Loan can have an offset account attached if you wish. If you are happy with this please get in touch and we can get your application underway ASAP

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Kisa

2 years ago

Hi All thanks for detail replied and for more information as require as followed. We build the house and move in Dec 2013 initial loan from CBA 30 years term in 3 names ( Me, Husband and Daughter) after 2 years my daughter my daughter wanted out and we went to CBA and asked to transfer the loan/refinance the loan to just the two of us (husband and wife) they they can't do it we can not service the loan. So we went else where. They gave to us in Dec 2015. $660k with 4.30% variable with 30 year term. Now CBA wanted to bring back the mortgage to them and yesterday they send out the valuer to conduct the valuation on our property and I am working on collecting information they wanted from us. But just saw your ad on facebook and thought I should asked anyhow. Current balance of Debts as listed - Mortgage on 4.05% variable =$642,695.11. Personal Loan from CBA on 17% variable = $43,485.03. Credit Card from CBA on 12.9% =$2,973.56 and we install Solar system for electricity finance from Certergy on interest free = $2,434.95. Comes to the total of Debts as of today $691.588.65 Income Husband $70,179.72 Gross PA or $54,366 Net PA, Myself is $46,824.96 Gross PA or $39,128.96 Net PA. 2015 Valuation took out was $860,000. Not knowing the valuation took out yesterday by CBA. Since our 3 years and 3 months in house we have never missed a payment either with CBA and current Finance. Very good credit rating and we are all up to date with our payments. Note we have one dependent child turning 12 in October this year. Hope these information will help you guys finding the best deal for us. Husband 47 and I am 49.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Dominic

2 years ago

Hi Kisa, I've got you, however we would need a little more information. Contact me and I will provide instant help! Regards Dom

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
verified icon broker img

Abdul

2 years ago

Hi Kisa. There is a number of options for you that we are able to also help you pay your home loan sooner as we are not only brokers in our office but financial planners and tax accountants. Also this depends on the amount of debt you currently have as well as a confirmed valuation on your current property. I have over 20 lenders I am able to look at for you once we know more about you and your situation. Abdul

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
verified icon broker img

kelvin

2 years ago

Your income looks good for servicing but it makes a difference to your net income who earns what. Not sure how many debts you have as some lenders have limits - others do not - so there are options. So you are looking at reducing repayments and my recommendation is to "split" the debts to be consolidated its own loan and if you can continue to pay the same amount - they will be cancelled out very quickly. I dont recommend people refinance over 30 years.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Shaun

2 years ago

Hi Kisa were are all able to help and get you rates under 4% once we know a little more info. Also how long have you had your current loan as you dont want to take it out over 30yrs again and paying all the interest that you have already paid already happy to chat thanks. contact me through my profile Shaun

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
verified icon broker img

Linda

2 years ago

Hi Kisa, Thank you for your enquiry. Based on the information you have given there are many options that could be available including some cash back and frequent flyer offers. The best option would be the one that suits both your short and long term goals. In order to determine this I would need some more information on your income, other debts etc. If you would like to have a chat contact me through my profile. Regards Linda

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Kenneth

2 years ago

Kisa, Good afternoon and thank you for your enquiry. I would be happy to assist (Sydney Based). I would potentially recommend a split loan arrangement that could allow you to keep focus on the consolidation piece and allowing extra repayments, while potentially taking advantage of some good fixed rates on offer for the base home loan. I would be happy to seek out a suitable combination once understanding both your short and longer term objectives. Please view my profile and you will see that I am experienced Broker with a great range of lenders that could suit. Best Regards Ken Olds

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Denis

2 years ago

Kisa, it is my belief that I can not give you reasonable advice with out all the information. Please obtain my fact find and complete it will take 15 to 30 minutes and send it to 3 brokers so we can give you proper advice. What you have given us only give us a fragment of the information we require to give you a proper assessment. I have no problems with you sending my fact find to other brokers it is similar to lenders requirements and it is the only way we can assess your possition. I hope that my assessment and advice will win but at the end of the day you must go with the broke you are most comfortable with Denis

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Ekta

2 years ago

H Kisa, yes what you need sounds very doable. Please give me a call on 04****23 and I will go through the process. 3.89% variable rate is what we can offer and a quick settlement too. I will wait to hear back from you. Thanks Ekta

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Albert

2 years ago

Hi Kisa, there are several lenders who could help you. I would suggest lodging a request with Hashching for a broker to contact you about your specific situation. Regards Albert

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Alton

2 years ago

Hi Kisa, thank you for getting in touch. Over the past month I have assisted two of my customer's refinance and raise funds for debt consolidation where I am based in Brisbane. Would be great to know more and understand your situation and financial position. Happy to assist at your convenience. Thanks in advance.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Michael

2 years ago

Hi Kisa, thank you reaching out. On face value it seems there are a number of options available to you. Rates would start at 3.79% and there are a offers whereby lenders will pay up to $1,500 as a cash rebate for refinancing your loan and there are others who are offering 350,000 rewards points. Just recently a loan settled and the client redeemed his points for a return trip to India to see his family. Key aspect to note brokers have different lenders on their approved list, so it's wise to get a couple of opinions. The big advantage you have is it appears LVR is under 80% which gives the broker bargaining power to negotiate rates. Given the lend is also under 80% I cannot see any reason for not being able to consolidate unsecured debt, I note a previous broker advised lenders don't like to consolidate more than 4 which is correct however under an 80% lend you wouldn't have any issues. Happy to speak further on this, simply head to my page and request contact. All the best Michael

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Ian

2 years ago

Hi Kisa, there's a common theme here - yes, it looks like you can get what you want, it's just a question of a few minor details on what you need to refinance, etc. Can I check on how much of the $672,000 is your existing home loan? It certainly looks like a strong position and one that shouldn't cause any issues. What state are you in? I'm in WA and would be more than happy to help you out. Thanks, Ian.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Nayesh

2 years ago

Hi Kisa I will be happy to discuss your options. Can i ask where ate you based? I mean which city? I am in Sydney.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
verified icon broker img

Morris

2 years ago

Hi Kisa, when you say consolidate all your debts, is this included in the $672,000.00? so long as your total borrowing is no more than 80% of the value of the property, you should get the best available rate currently on offer (3.79%PA variable and 3.69% PA fixed 1 or 2 years) need more information about your new requirements so i can customise the best loan for you. contact me for a chat, happy to assist further.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Conrad

2 years ago

Hi Kris This will depend on your liabilities aside from the mortgage and your living expenses, dependants etc. But I work with over 30 lenders so am confident we can find a deal that suits. Lots of good advise here so by all means call and i'll give you a quick servicing position and tell you where you stand Conrad

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Andrew

2 years ago

Hi Kisa, I am based in Sydney and would be happy to discuss your finances further. As Matthew and Michael have highlighted, further information would be required, however on the surface appears very achievable. Feel free to contact me through my profile. Cheers

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Daxa

2 years ago

You should not have any issues but we do need more information re your situation. Happy to help there are some offers especially of the table.

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Andrew

2 years ago

Hi Kisa, your scenario looks familiar to what our firm does all day everyday. We are located in Bayside Melbourne and would be happy to assist. Kind regards Andrew Goggin

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Xavier

2 years ago

Hi Kisa, The number and the amount of debts you need to consolidate as well as their conduct are all important factors in your equation. Usually lenders do not like to consolidate more than 4 debts other than the mortgage(s). We have just got approved a consolidation for one of our clients who had 10 credit cards to consolidate - and this with a rate of 3.92%... Happy to help if you want to get in touch. Chat soon

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Emma

2 years ago

Hi Kisa, I am based in Melbourne and would love to discuss your finance further. Matthew is right, we would need a little more info but certainly do-able. Feel free to contact me directly through my profile. Thanks!

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel
broker img

Matthew

2 years ago

Hi Kisa, Before being able to make a decision as to whether your income is enough to justify the loan I would need a little bit more information. That being said it is definitely worth it at the moment some fantastic rates under 4 still available and some lenders even offering $1500 Cashback. If you would like to have a chat contact me through my profile. Matt

Report this reply as inappropriate:
Reason is required Message is required   or  Cancel

New home loans from 2.89%

Find out more

Loan Calculator