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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

2 years ago

Hi i've got over 40 lenders - mostly non bank who would love to help you. can do OFFSET also. have great rates for owner occupied, not advertised. so contact me via my profile page. I'd love to help you. thank you.

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Abdul

2 years ago

Hi Ruben. What state are you in? I am in Melbourne. I have over 30 lenders on my panel and if interested I am able to do the research for you and get the best rate and home loan that suits your situation. Ruben we are not only mortgage brokers in our office. We are also financial planners and tax accountants that we are also able to help you payout your home loan sooner. Please click on profile in order to contact me if interested. Thanks Abdul

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Umit

2 years ago

Hi Ruben, Happy to assist you with refinancing your current loan to another lender under 4% variable. I also have one lender who is offering a product that will ONLY move with the RBA rate changes. You will always know where you stand with your home loan interest rate. If interested please contact me by viewing my profile. Cheers, Umit

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Nathan

2 years ago

Thanks for the update Ruben. Please message a Sydney base broker that may be able to help you. You can request that by clicking on their profile under "View Profile" and "Contact Me". Cheers, Nathan.

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Ruben

2 years ago

Hi everyone.Thanks for the information.My fault .I forgot to say that we are in Sydney.

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Nayesh

2 years ago

Hi Ruben There are certainly better deals outside of Big 4. I suggest you speak to Westpac first and give them final opportunity to come back to you with their best offer. If its not what's out there in market we can certainly refinance. Please let me know if i can be of further help.

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Scott

2 years ago

My advice on this before you do anything, get a broker (we can assist) to approach Westpac on your behalf to see if we can get them to sharpen their rate for you. The advantage of this is that there is usually no cost (from the bank) for you to do this (and as a rule, the broker won't charge you a fee either -we certainly don't), and then you can compare apples with apples (so, what WBC will do for you based on the actual market) - hope that helps Scott

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Nathan

2 years ago

Hi Ruben, looks like all of Australia has you covered now (I'm in Sydney). In the first instance, have you contacted Westpac to see if they may be able to reduce your rate? It never hurts. Secondly, there are many "non banks" that have familiar names that offer very competitive rates starting with a "3" if you are owner occupied, but the fees charged certainly need to be considered depending on how much interest you will save to make it worthwhile. Nathan.

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Jennifer

2 years ago

Hi Ruben, I could definitely help you to do that - there are some good deals outside of the big banks. Please get in touch if you are in Perth

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Jennifer

2 years ago

Hi Ruben, I could definitely help you to do that - there are some good deals outside of the big banks. Please get in touch if you are in Perth

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Michael

2 years ago

Hi Ruben. Thank you for connecting. You're in prime position with most lenders already, given you owe less than 50% of the property value (well done to you). We have offices located in South Australia and Queensland. To give you a summary most financial institutions can charge up to $300 to discharge the mortgage and depending on the state the property is located there will be government fees from $220 - $300. Off the 37 banks we deal with 98% of them have fully transactional offset facility offering rates from as low as 3.79% (variable). Specifically, you may wish to engage in a broker to find the cheapest but tailored product for you compared to an online lender who I believe have the one product offering. Absolutely can validate what Lee is saying, the percentage of brokers now writing loans in Australia is heading up towards 60% which goes to show the value we provide. Should you require any assistance at all, please navigate to my profile and lets get connected. All the best Michael

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Andrew

2 years ago

Hi Ruben, happy to look at other lenders with you outside of the Big 4 if you are in Perth. Please review my profile for my contact details. Hope to hear from you soon. Andrew.

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Allan

2 years ago

Hi Ruben, as the other gents have mentioned your exit fee from Westpac would $350 and the government would charge you $225 for the de-registration & registration of the mortgage over your title. There are several lenders in the market right now outside of the majors who will offer below 4.00% and offer the offset facility that you are looking for. Loan****.au are an online lender and offer one suite of products whereas a broker can offer a range of products from a panel of lenders. This means that the broker can tailor the product/lender to the individual needs of the client. I hope that this helps to assist with your decision.

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Morris

2 years ago

Happy to Help Ruben, on a loan size of $252,000.00, rates start from 3.69% for 1 or 2 years fixed if an offset is a must, rates may increase slightly to 3.79% - monthly repayments will be $1836.00 over 15 years. best to contact me to discuss further, there may be other products that may be of interest. just remember that the banks base there rates on the features available for each product and apply a certain discount on the interest rates accordingly, hence why we look at the comparison rates which includes all the associated fees with the new loan.

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marco

2 years ago

Ruben , on owner occupier loan you can get variable & or fixed rate for under 4% with 100% offset . Plus we have lenders that will pay up to $1500 rebate to cover refinanceing and waive first year annnusl fee . If WA please make contact anytime that suits ..

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James

2 years ago

Hi Ruben Have a chat to a broker who can do the preliminary assessment. Discharge fee is usually around $350 and the government registration fees would be around $300. Good luck. Cheers James.

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LEE

2 years ago

Hi Ruben. Thanks for reaching out I'm in Melbourne if you live here... But to answer your Qs, most banks charge approx $300 to discharge your home loan. There would also be approx $228 in fees to the Govt, if in Vic. We have many lenders that have an offset feature and whose rates are below 4%. It just comes down to whether you want good service and a proactive broker looking after you, or an online bank. I'm obviously biased but greater than 50% of home loans are done by brokers nowadays so I guess that might help with your choice ;) Anyway, if in Melbourne sing out, otherwise someone else on this page will most certainly be able to assist as we are all screened by HashChing! Good luck on the search Lee

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