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Special Home Loan Offer 3.49% with 100% Offset (CR 3.52%) @ Obtain Finance

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Special Home Loan Offer 3.49% with 100% Offset (CR 3.52%) @ Obtain Finance
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Store RepLObtain Finance @ Obtain Finance on 03/09/2017 - 12:14 files.ozbargain.com.au (887 clicks)
Last edited 15/09/2017 - 20:39 by 2 other users

As a Mortgage Broker driven by giving maximum value to customers, We Have dialed down most of our commission with one of Australia's most awarded lenders to bring you this Home Loan bargain. Rate advertised is available for Owner Occupied Home Loans up to $750,000. Please see poster for terms and conditions or contact us for assistance. Please note we also have a heavily discounted Investment Home Loans from 3.79% (CR 3.82%) with the same lender.

Call Us

02 8091 5797

Email Us

[email protected]

CRN: 434339 ACL: 390502

Financial Home Loan Loan Mortgage Broker

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closed Comments

  • Gradesbrah on 03/09/2017 - 12:26
    +1

    Any fixed rate loans with offset account option?

  • dasher86 on 03/09/2017 - 12:35
    +2

    Hey Michael who is the lender?

  • malouphix on 03/09/2017 - 12:40
    +8

    As a Mortgage Broker driven by giving maximum value to customers

    Not really, you're driven by commissions and growing your customer base.

    But hey, everyone has a family to feed, so good luck.

  • Steptoe on 03/09/2017 - 12:42

    We Have dialed down most of our commission

    So you are going to rebate upfront and trailing commissions?

  • RDY4WR on 03/09/2017 - 12:48
    +1

    Ozb is going to be taken over by brokers. At least this one is not claiming partnership with a lender and offering gift cards to boost sales..

    To offer rates like these guys, they're reducing their commissions the lender is paying..

    Advice to all is to be wary of sly tactics like fixing you so they guarantee their comms. Commissions are clawed back if you refinance within certain timeframes, if a loan moves in 0-12 months it typically sees 100% clawback. Over that is 50%

  • wazza23 on 03/09/2017 - 12:53

    is it max 1.5mill or 750k . The link says different to your post.

    • Store RepObtain Finance @ Obtain Finance on 03/09/2017 - 12:57

      Hi Wazza, thanks for the question. The rate is different above the $750,000 amount stated with this offer, based on this particular lender. Email: [email protected] or call 02 8091 5797 to have a chat. Michael

  • turk182 on 03/09/2017 - 12:58
    +2

    Any fees or charges associated with this loan?

  • kenison on 03/09/2017 - 13:22

    Any deal for Investment loan? Gift card etc

  • May4th on 03/09/2017 - 13:33
    +2

    More details please upfront.

    ?LVR
    ?fees schedule - set up fee/annual fee/discharge fee

    etc

  • BargainShopaholic on 03/09/2017 - 14:21

    How many offset accounts can you have to the one loan?

    • LKJ899 on 04/09/2017 - 12:45

      same question from me

  • dealmaker on 03/09/2017 - 15:26

    Don't know about these guys however credit to them as they are at least willing to face the tough ozb crowd.

    If you ever come across Mortgage House anywhere however, steer clear of them by a million miles. Very very dodgy mob from Managing Director down, I got pretty badly stuck with Mortgage House and got nothing from them off what they promised.

    • woodyliscious on 04/09/2017 - 11:03
      +1

      Can confirm the worst thing we ever did with out loan was switch to Mortgage House, been nothing but a nightmare!

  • dan76n on 03/09/2017 - 15:52
    +5

    (CR 3.52%).

    TA can you please confirm we get 3.52% cash back on this.

    • inick on 03/09/2017 - 15:59
      +1

      CR = Comparison Rate

      • dan76n on 03/09/2017 - 19:42
        +4

        Sorry, it's Father's Day so I thought my lame dad jokes might stick a little better.
        3.52% of you mortgage back through cash rewards would be the deal of the century.

  • bryanang on 03/09/2017 - 17:57

    Whats the minimum LVR on this?

    • CacheHunter on 03/09/2017 - 20:55

      I imagine the minimum would be close to zero, as that involves very little risk for the lender. I think that you mean maximum?

  • stingy-oz on 03/09/2017 - 20:41

    Don't need a loan but just commenting that the rate is pretty decent given it has 100% offset.

    • CacheHunter on 03/09/2017 - 20:59
      +1

      I'd want to know if the offset account is with an APRA regulated Authorised Deposit-taking Institution.
      Otherwise, if the lender got into financial difficulty, your account wouldn't be covered by the government guarantee and you could lose access to the offset funds. In a worst case scenario you could find those 'offset' funds rank as an unsecured claim over the lenders assets that could get you a few cents in the $ a after several years while still having to repay the mortgage.
      For me, if it's not with an ADI, even a rate this good wouldn't be worth the risk.

      • stingy-oz on 03/09/2017 - 22:32

        Not sure about this offer from Op.

        My loan is with CBA @ 3.55% Std Var and 3.77% fixed 2 years (for my IP); 100% offset for std var. I'd assume CBA would be APRA regulated ;)

        • CacheHunter on 04/09/2017 - 08:05
          +1

          All the banks, building societies and credit unions are covered, so no probs with CBA.
          The risk is with the offset accounts for some of the other lenders as they usually aren't technically deposit accounts. Instead they are often legally structured as reborrowing/redraw arrangements even though they are referred to as offset accounts. Unfortunately, the OP hasn't indicated who the actual lender is behind this offer so I can't tell whether we need to be worried.

  • May4th on 05/09/2017 - 20:24
    +2

    looks like rep has done a runner. the level of service speaks for itself

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