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NAB Refinance/Purchase Rebates of up to $6,000 (Per Customer)

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NAB Refinance/Purchase Rebates of up to $6,000 (Per Customer)
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Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 13:42 nab.com.au (1071 clicks)
Last edited 28/11/2019 - 16:53 by 2 other users

Hi OzBargainers,

I hope you are all well!

NAB has just advised us of a new refinance rebate that they will be offering for loans settling between the 01/01/2020 and the 30/06/2020

Refinance Rebate is as follows:

  • Lending > $250,000 - $4,000 Rebate

  • New Purchases > $250,000 $2,000 Rebate

For anyone looking to increase their existing lending with NAB by $250,000 or more you will also be entitled to the $2,000 rebate

Any refinances through Azura Financial will receive a rebate for their first two years annual fees ($395pa)

We have recently secured the following pricings:

Variable:
Owner Occupied: 2.99% - 3.18%
Investment: 3.32% - 3.54%

Please feel free to email me at [email protected] or text/call me on 0422 699 383 and I would be happy to answer all finance related questions. We do work with a panel of over 40 lenders and will be able to find a home loan tailored to you.

If you have been kicked back by and lenders or brokers please allow me to run your scenario again through a more diverse panel of lenders and see if I can be of assistance.

Kind Regards,
Nicholas O’Sullivan
ACL: 389328
Azura Financial

Financial Home Loan Loan Rebate

Related Stores

National Australia Bank Group (NAB)
National Australia Bank Group (NAB)
Azura Financial
Azura Financial
Third-Party

closed Comments

  • bremo on 28/11/2019 - 13:43
    +2

    ANZ or NAB??????

    This whole post feels so spammy.

  • ykwon10 on 28/11/2019 - 13:44

    NAB or ANZ? Title says ANZ

    • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 13:45

      Hi there, Title Amended. Sorry about that.

      Regards,
      Nick

  • ykwon10 on 28/11/2019 - 13:46

    Lending less than $250000 only?

  • ykwon10 on 28/11/2019 - 13:48

    My apologies.. read wrongly. Sounds like a good deal. Competitive rates too for a top 4 bank

  • Bellpop on 28/11/2019 - 13:52

    What about current NAB customers?

    • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 13:54

      Hi Bellpop, NAB have a $2,000 rebate for customers looking to take out additional lending of $250,000 or more.

      Best Regards,

      Nick

      • Bellpop on 28/11/2019 - 13:54

        $250k on top of my current mortgage?

        • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 14:03

          Hi Bellpop,

          The $2,000 is available when you take out new lending of $250,000. This applies to lending for new purchases or equity releases.

          Best Regards,

          Nick

  • mick123 on 28/11/2019 - 13:53
    +4

    Just to clarify, how is it up to $6000.

    New customers = $4000
    Existing customers who move a different loan across or increase their loan = $2000.

    Not possible to do both, the way I read it.

    • bogak on 28/11/2019 - 14:01

      Maybe he is saying refinance first, get $4000, then increase loan amount, get $2000?

      • socheap on 28/11/2019 - 14:35

        So it is possible to double dip?

        • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 14:35

          It absolutely is!

        • mortgagebroker on 28/11/2019 - 14:53

          It must be on a different security property.
          While a customer can get both, the need 2 security properties.

          Title is not really correct in my opinion.

          • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 14:56

            @mortgagebroker: Hi MortgageBroker,

            Feedback taken on board and amended title to avoid confusion.

            Regards,

            Nick

    • Stahh on 28/11/2019 - 14:06

      Yeh seems like incorrect title/info click bait.

      • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 14:15

        Hi There,

        Just to clarify, the $4,000 rebate is available for customers looking to refinance a home loan from another financial institution to NAB. The $2,000 is available to new and existing NAB customers who take out new lending of $250,000 or more.

        Example 1: if you were to refinance an existing loan ($4,000) and take out new lending for a purchase ($2,000) you would be entitled to $6,000 in total.

        Example 2: If you are an existing NAB home loan customer and withdraw $250,000 or more for a deposit to contribute to a new purchase you would be eligible for $2,000.

        Feel free to get in touch with any further questions.

        Nick

  • no user information on 28/11/2019 - 13:53
    +1

    $4000 for each loan over $250K or per customer ?

    • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 14:07

      Hi Killbill01,

      Offer is available per customer.

      Regards,

      Nick

  • Numbfeeling on 28/11/2019 - 14:00

    Any offers for fixed rates

    • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 14:06

      NAB are currently offering the following fixed rates:

      First Home Buyer
      - 2 Year Fix 2.88%

      Choice Package (Offset
      - 2 Year Fix 2.98%

      Tailored Home Loan
      - 2 Year Fix 3.08%

  • batrarobin on 28/11/2019 - 14:11

    Just sent you an email, Nick. Thanks

  • Leelee on 28/11/2019 - 14:12

    Wow so this is twice as good as the current offer. Thanks for the heads on that!

    • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 14:16
      +1

      Hi Leelee,

      It is indeed, as mentioned in our post: Any refinances through Azura Financial will receive a rebate for their first two years annual fees ($395pa)

      Best Regards,

      Nick

      • Choc0 on 09/01/2020 - 00:37

        Nick, does this package fee include a premium credit card?

  • cocomelon on 28/11/2019 - 14:33
    +2

    any interest only deal?

  • Tony76 on 28/11/2019 - 15:00
    • annual fees ($395pa).

    Lol. They're charging you interest, and then a fee on that interest.

    No mention of exit fees (which will probably be exorbitant, plus no mention of free redraw and/or offset).

    Go with Ubank people - it's a buyer's market when it comes to borrowing nowadays (as long as you meet their criteria).

    At least do your homework, you'll find much better than this available.

    • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 15:14

      Hi Tony76,

      The $395 annual fee mentioned above is for the professional package with a 100% offset, redraw and ability to make extra repayments. This fee is also covered by us for the first 2 years.

      If you would like a basic product you will still get a free redraw and ability to make extra repayments without the annual fee.

      Future refinance costs will be covered by us as long as you remain a customer of Azura Financial.

      Best Regards,

      Nick

      • Mick1313 on 28/02/2020 - 12:18

        So I understand Azura's customer will not have to pay annual fee of $395 for 2 years and what do you mean by "Future refinance costs will be covered by us as long as you remain a customer of Azura Financial"

        Do you mean all refinance costs from current lender such as discharge/lega Fee etc will be bourne by Azura when moving to NAB? And $4000 cashback is still on for refinance?

        Please confirm

        • Store RepNick-AzuraFinancial @ Azura Financial on 28/02/2020 - 12:48

          Hi Mick1313,

          We would be more than happy to cover your discharge and legal fee's in the future on top of the 2 year annual fee refund.

          Best Regards,

          Nick

  • pyramid on 28/11/2019 - 15:00
    +1

    What are the other fees apart for refinancing apart from annual fees? eg exit fee/document fee/loan establishment fees etc?

    • Store RepNick-AzuraFinancial @ Azura Financial on 29/11/2019 - 15:45

      Hi Pyramid,

      Annual fee of $395
      Discharge fee of $350

      Please note you will not be charged a discharge fee as long as you remain a client of ours.

      We will also cover your first 2 years annual fees if you refinance with us.

      Regards,

      Nick

  • rarelyscene on 28/11/2019 - 15:09

    Tried to sign up a couple times with Azura Financial but they never got back to me, granted my loan size was at the bottom end of the eligibility amount. Great deal if attainable though.

    • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 15:16

      Hi Shifty,

      We endeavour to help everyone regardless of their loan amounts.

      There is a good chance your email may have ended up in the Junk folder and slipped through the cracks.

      If you are still looking for assistance feel free to get in touch.

      • rarelyscene on 28/11/2019 - 15:57

        Any downsides to refinancing 6 months after a refinance?

        • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 15:59

          That would depend on whether you refinance with us or with a different lender/broker

          • knobbs on 28/11/2019 - 16:34

            @Nick-AzuraFinancial: Could you explain this a little? What are the exit fees like? I am guessing that is what you are referring to

            • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 16:42
              +1

              @knobbs: Hi Knobbs, exit fee is $350.

              This fee will be covered by us for as long as we manage your mortgage/s

              • knobbs on 28/11/2019 - 16:45

                @Nick-AzuraFinancial: Ahh ok not crazy like I was worried about. Currently with WBC and seems to be every second deal on refinance is with that group so I miss out. Also had to pass on the 300k ANZ loan earlier in the year due to fixed loan break costs :(

          • rarelyscene on 28/11/2019 - 17:53

            @Nick-AzuraFinancial: What if only this refinance would be with you?

  • deb3103 on 28/11/2019 - 15:31

    I just got 3.24% for investment loan yesterday locked for 2yrs, your rates are behind to start with let alone the hoop jumping to refinance ….

    • ykwon10 on 28/11/2019 - 15:33
      +1

      sounds like you are referring to fixed rates for 2 years? while OP is variable?

      • deb3103 on 28/11/2019 - 15:40

        yeah true

    • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 15:36
      +1

      Hi Deb3103,

      That's unfortunate that you've fixed in at 3.24%. We are currently negotiating from 2 year investment fixed rates with other lenders at less than 3.00%

      If you need any help in the future please don't hesitate to get in touch.

      Regards,

      Nick

      • deb3103 on 28/11/2019 - 23:49
        -2

        Haha , I'm not a newb to investment loans, unless ur backing it up with figures from big banks you are only advertising here …

      • kapsgup on 13/01/2020 - 23:22

        Which lenders are doing under 3% for investment fixed rates?
        Also is this P&I or IO??

    • 0FoxGiven on 28/11/2019 - 16:09
      +1

      That's not a good rate mate.. There are plenty of providers who lock in fixed rates below 3%. Even big banks

      • Store RepNick-AzuraFinancial @ Azura Financial on 28/11/2019 - 16:11

        There are plenty doing it for Owner Occupied but this is for Investment. Could you please advise which Big 4 Banks have investment rates below 3%?

  • sudapha on 28/11/2019 - 15:49

    Wow! Nice deal - does this include offset account or redraw only…

    • Store RepNick-AzuraFinancial @ Azura Financial on 29/11/2019 - 15:42

      Hi Sudapha,

      Both of the above!

      Best Regards,

      Nick

  • geojohn on 28/11/2019 - 15:54
    +1

    I think other banks will follow this increase

    • Store RepNick-AzuraFinancial @ Azura Financial on 29/11/2019 - 15:42

      Hi Geojohn,

      Lets hope so! Who doesn't like added cash incentives!

      Best Regards,

      Nick

  • Nitrous on 28/11/2019 - 16:47
    +1

    Rates for Interest Only loans? Owner occupied and investment?

    • Store RepNick-AzuraFinancial @ Azura Financial on 29/11/2019 - 15:41

      Hi Nitrous,

      Could you please send me an email ([email protected]) with the following informtation:

      • Security Value
      • Current Balance
      • P&I or IO
      • Postcode

      Look forward to hearing from you soon.

      Best Regards,

      Nick

  • effraye on 28/11/2019 - 18:55
    -2

    Answer the exit fee questions and other fees please or do i need to report you to the ombudsman

  • kelasen on 29/11/2019 - 13:43

    Hi Nick,

    Is cashback eligible for construction loans?

    • Store RepNick-AzuraFinancial @ Azura Financial on 29/11/2019 - 15:36

      Hi Kelasen,

      The Cash Bonus is available for all NAB Home Loan products excluding Lines of Credit, the NAB Portfolio Facility, the NAB Private Portfolio Facility and loans for building and construction purposes (BICOE loans).

      Best Regards,

      Nick

  • organisedocd on 29/11/2019 - 14:08

    What variable rate can you get for $600k drawdown for refinance owner occupied on choice package?

    • Store RepNick-AzuraFinancial @ Azura Financial on 29/11/2019 - 15:37

      Hi Organisedocd,

      Could you please email me with your postcode, value of the property and whether your looking for P&I or IO?

      [email protected]

      Best Regards,

      Nick

  • Lunarboogie on 30/11/2019 - 17:35

    Hi Nick. This is very tempting. I have an investment loan that is >250k with Westpac. Can I take this offer and get a one-year fixed loan, pocket the $4000 and then in 12-months time switch to a similar deal with a different bank again through you to minimise exit fees. And then simply repeat the process each year with a different big4?

    • Store RepNick-AzuraFinancial @ Azura Financial on 03/12/2019 - 11:17

      Hi Lunarboogie, would love to have a chat. Would you like to call me on 0422 699 383. Regards, Nick

  • s0805 on 04/12/2019 - 16:32

    Hi Nick, what about the existing NAB customers who are not interested in borrowing any more but keen on getting good rates (you mentioned) from them. Are you willing to help and on board these customers. We have Home loan and Investment loan with NAB.

    • Store RepNick-AzuraFinancial @ Azura Financial on 06/12/2019 - 10:06

      Hi s0805,

      We would be happy to renegotiate on your behalf if you would like to email me with your details on your current lending ([email protected]) Alternatively feel free to give me a call on 0422 699 383 to discuss.

      Warm Regards,

      Nick

      • s0805 on 06/12/2019 - 17:06

        Thanks Nick. Will contact you…

  • dumkaze on 06/12/2019 - 21:26

    HI Nick.. I just moved to St. George.. How long I should before I can move to NAB. What would be interest rate for 580K

    • Store RepNick-AzuraFinancial @ Azura Financial on 09/12/2019 - 10:13

      Hi Dumkaze,

      In order to come back to you with applicable interest rates I will need the following:

      • Postcode of security
      • Value of Security

      Warm Regards,

      Nick

      • dumkaze on 01/01/2020 - 09:32

        Hi nick

        Can you get back to me regarding refinancing

  • belesci on 12/12/2019 - 23:11

    Anyone recommend refinancing with Azura? Any help will be appreciated.

  • macr0hard on 14/12/2019 - 19:47
    +1

    Hi Nick

    I’m about to sign the docs with St George that also offers $4k, should I get that first and go with this offer before June 2020?

    • dcomo on 04/01/2020 - 09:58

      Hi macrohard
      Curious on how you went on this, is it possible to get both the offers?

      St. George T&Cs states "The cashback will be paid into a St.George transaction account within 60 days of settlement. The transaction account must be linked to the home loan at the time of settlement and kept open for 60 days after settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters."

      • macr0hard on 04/01/2020 - 13:38

        I think it’s possible to do both. I’m still going ahead wit st geoge now (waiting for settlement) and do it again with nab in may

        • dcomo on 04/01/2020 - 15:15

          Nice… hope you get this, good luck! The timing should help in your case.

          So even existing Nab customers potentially can avail this if ok to go through the whole hassle TWICE… don’t see why not if there’s few free grands to be netted.

  • AbsX on 04/01/2020 - 21:08

    I negged this deal on a duplicate post but wont here as youve fleshed out the deal much better.

    How come theres a spread here for owner occupier from 2.99% to 3.18٪.

    Getting sub 3% on a variable rate with 6k cashback is a decent deal but ill remain on my 2.84% because refiancing is a headache

    • Store RepNick-AzuraFinancial @ Azura Financial on 10/01/2020 - 15:32

      Hi AbsX,

      The large variance in rates in dependant on your loan amount, LVR and postcode.

      Each bank will offer discretionary pricing appropriately.

      Feel free to get in touch with any other questions

      Regards,

      Nick

  • tunzafun001 on 10/01/2020 - 01:23

    Is that a fixed loan with a full 100% offset account I see listed? Or only partial offset?

    • Store RepNick-AzuraFinancial @ Azura Financial on 13/01/2020 - 08:52

      Hi Tunzafun001,

      There are competitive fixed rates available.

      Please feel free to get in touch to discuss.

      Regards,

      Nick

      • tunzafun001 on 13/01/2020 - 10:38

        Cool, but are the fixed rates linked to a 100% offset account?

        • Store RepNick-AzuraFinancial @ Azura Financial on 13/01/2020 - 10:56

          Hi Tunzafun001,

          This can be linked to an offset account under the Choice Package.

          We would be able to secure you the following:

          Fixed Rate: 2.98%
          Variable Rate: TBC

          If you would like me to seek discretionary pricing with NAB I will need the following information:

          • Property Value
          • Current Loan Balance
          • Postcode

          Look forward to hearing from you soon.

          Best Regards,

          Nick

  • kapsgup on 11/01/2020 - 19:25

    I have a fixed rate P&I investment loan with bank of Melb @ 3.99% ending in 09/2020,
    Can I break the fixed rate and pay the break fees of around $3500 using the cashback from NAB and change to a IO loan @ fixed rate?
    Whats the best rate there?

    • Store RepNick-AzuraFinancial @ Azura Financial on 13/01/2020 - 08:53

      Hi Kapsgup,

      This is definitely an option.

      Please get in touch to discuss.

      Regards,

      Nick
      0422 699 383

      • kapsgup on 13/01/2020 - 23:10

        Thanks Nick,
        will call you to discuss but can you just suggest why should I not choose Ubank which has a better rate?
        Do u have a office in Melbourne?

  • kapsgup on 11/01/2020 - 21:37

    Are you able to match the IO fixed rate as offered by UBank which is a subsidiary of NAB anyway,
    UBank's 3yr fixed IO rate is 2.99% for investment properties?

    • Store RepNick-AzuraFinancial @ Azura Financial on 13/01/2020 - 08:56

      Hi Kapsgup,

      Unfortunately NAB are not able to do this.

      Regards,
      Nick

      • kapsgup on 13/01/2020 - 23:08

        Thanks Nick.
        in that case why should I re-finance with NAB and not with UBank?
        What is the lowest rate that you can get with NAB? for IO loans variable or fixed, anything close to UBank's rates??

        • Store RepNick-AzuraFinancial @ Azura Financial on 14/01/2020 - 17:06

          Hi Kapsgup,

          Personally I have not banked with UBank however a lot of the work we are currently doing is refinancing people away from UBank.

          If you would like me to seek discretionary pricing with NAB I will need the following information:

          Property Value
          Current Loan Balance
          Postcode

          Look forward to hearing from you soon.

          Best Regards,

          Nick

  • Hunter14 on 13/01/2020 - 15:38
    +1

    Why is this deal not getting the same traction as the St George deal?

    • Store RepNick-AzuraFinancial @ Azura Financial on 13/01/2020 - 15:45

      Hi Hunter14,

      Unfortunately I don't have an answer for you there.

      Within the OzBargains community it may have got more traction however on a national scale NAB would be doing more business.

      Regards,

      Nick

  • ohimemizu on 30/01/2020 - 18:08

    How are you able to advertise the interest rates when you do not have a comparison rate?

    • Store RepNick-AzuraFinancial @ Azura Financial on 03/02/2020 - 09:11

      Hi Ohimemizu, these interest rates are a guide only and official comparison rates are based on a loan amount of $125K over a 25 year term. As the offer applies to lending over $250K these comparison rates do not apply. If anyone would like accurate comparison rates based on their specific lending please let us know. Best Regards, Nick

  • Numbfeeling on 10/02/2020 - 21:42
    +2

    Lack of communication from OP. wasted my time

  • Sullie on 10/02/2020 - 21:53

    Hi Nick. Do you have any similar deals with Commonwealth?

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