LOWEST.EVER.
UPDATE 29/3/2020: We have responded to all enquires and back to 1-2 day turnaround time. Sincere apologies for the extended delay for response increasing from 2 to 5 business days (sometimes longer) as we did not expect to receive so many enquiries and also faced disruptions with our staff transitioning to work from home arrangements this week. Thank you for the feedback and although unpleasant to hear, it was necessary as we completely understand the frustration. It has been a learning process for us and we will change our processes in future, such as communicating our extended service levels to the OZB community so that customers are informed for decision making.
If it's an urgent purchase or fixed expiring, pls write "URGENT" in subject or text and we will contact you ASAP. Thank you for your patience.
ING Fixed
2.09% (CPR 3.77%) owner, fixed 2yrs (Orange Advantage Package only. +0.1% under "Basic" Mortgage Simplifier no annual fee)
2.64% (CPR 4.41%) investor, fixed 2yrs (avail "Basic" Mortgage Simplifier no annual fee)
2.79% (CPR 4.99%) investor interest only, fixed 2yrs (avail under "Basic" Mortgage Simplifier no annual fee)
Available under Mortgage Simplifier - no annual fee, no offset.
Can be split with variable 100% offset if you add Orange Advantage package, including offset account, redraw, credit card. Annual fee $299.
ING variable rates "Basic"
2.74% (CPR 2.77%) owner occupied P&I (>$1m)
2.78% (CPR 2.81%) owner occupied P&I (>$150k)
3.19% (CPR 3.22%) investor P&I (approx +0.4% interest only)
Mortgage Simplifier - no annual fee, no offset, free redraw
ING variable rates "Package"
2.79% (CPR 3.13%) owner occupied P&I (>$1m)
2.83% (CPR 3.17%) owner occupied P&I (>$150k)
3.24% (CPR 3.57%) investor P&I (approx +0.4% interest only)
Orange Advantage Package 100% offset $299 annual fee
Total Fees eg NSW & VIC incl GST
https://www.nswlrs.com.au/getattachment/
https://www.propertyandlandtitles.vic.gov.au/
Mortgage discharge fees $143.5 (NSW), $116.80 (VIC)
Transfer/Mortgage Registration fee $143.5 (NSW), $116.80 (VIC)
Title search $14.70 (NSW)
Legal/settlement fee from incoming lender – Approx $100-$350
Discharge admin fee from outgoing lender – Approx $250-$350
Total fees approx $650 - $800 in most cases.
PLUS 0.3% Bundle Rebate (via Bundle Property Home Loans only)
In ADDITION to bank rebates (if any), Bundle Home Loans gives a rebate of 0.3% of loan size (net at drawdown) for ANY bank or product.
Why should I fix?
A low fixed rate can still save you more money as you can get an immediate benefit from today as opposed to waiting for the drop to occur. RBA has announced they will likely not move rates again.
Always worth doing a calculation for your situation, eg:
If you have an existing loan and your rate is 3.18%, fixing at 2.68% will save you 0.5% each year.
On a $500k loan, that is a saving of $2500 every year.
If you're saving 0.5% and go with a lender giving rebates eg Westpac $6,000 for 2 properties, plus our Bundle Rebate of $1,500, that's a further $7,500 in rebates, plus $2,500 interest savings, you are getting a benefit of $10,000 in just one year!
Len
Bundle Property Home Loans
T: (02) 9698 7186
M: 0422354868
E: [email protected]
ACL 445947
Disclaimer:
The information provided is for general education purposes only and is not intended to constitute specialist or personal advice. This has been provided without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the advice to your own situation and needs before taking any action. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy.
Please check your email with the following contents!!! I would like to challenge you if any transaction you had made to me or my sister for the 0.3% rebates. I personally hate to use negative votes as a means to get my claims from Reps. However, it's the last but one resources I could use prior to taking the issue to the court for false advertising. Numerous calls, emails and even personal visits to your always closed office in Burwood ending up I have to use negative votes to remind you that you still owed the rebates to me and my sister (2 home loans settled about 3 years ago)!!!
Hi Len
Could you let me know when you will send me the rebate of 0.3% of my home loan?
Regards,
Will
From: Len <[email protected]>
To: …………..
Cc: 'Bundle Loans Team' <[email protected]>
Sent: Monday, 20 March 2017, 23:36
Subject: 奔逹贷款 Checklist Purchase
Hi William
Great speaking today.
For your situation, the best lenders in order of my recommendation:
· ING Direct variable 3.89% owner/ 4.29% investor; OR fixed 3yrs
3.99% owner/ 4.09% investor; interest only is ok, no ATM fee in Australia,
$199 annual fee, Advantage Package, free offset, free redraw
· Firstmac "Owner rates for both owner and investor bundle", Vital
product, variable owner 3.79% / investor 3.79 (if combined with owner occ
loan, or 3.99% standalone investment), rates are P&I, +0.2% for interest
only, no offset, no annual fees; or VIP pkg variable 3.89% owner/4.09%
investor; P&I, no annual fee, free offset account; OR Fixed 2yr 4.09% owner
/ 4.29% investor, can be interest only. no annual fee. All firstmac has
approx $720 settlement fee (incl valuation, legal). Max $1m loan size
· Bankwest (OWNER OCC ONLY UNTIL FURTHER NOTICE) variable from 3.85%
owner / 4.54% investor, 100% offset for variable; OR 2yr fixed 3.94%
owner/4.25% investor, with 40% offset for fixed, , interest only is ok, $395
annual fee; free offset, redraw, free premium credit card
· Connective Advantedge (Managed by NAB), variable from 3.86% owner
occ/ 4.06% investment, OR up to half fixed 2yr 3.95% owner occ/4.15%
investor, principal and interest, +0.2% for interest only, free NAB ATM,
$120 annual fee, free redraw
· St George 3.99% owner / investor 4.19% 2 year fixed, can be
interest only; OR variable from 4.2% owner occ/4.40% investor principal &
interest, +0.04% for interest only, Advantage package, annual fee $395,
offset account, free credit card, PLUS Cash Back $1500 Refi Owner (P&I only)
or investor adv pkg 250K+ (lodge by 31/5/17 settle by 31/7/17, not refi WPC,
BSA,Bmelb, cannot be OO interest only, NR or foreign income); OR Basic
product variable 4.08% owner occ/4.29% investor, P&I, no annual fee, no
offset account, free redraw.
Further, we will provide you with a rebate of 0.3% of the loan size (e.g.
$1,500 rebate for each $500K loan size) regardless of which lender you
choose.
Please prepare the following for each applicant and email back to me:
· Applicant details form attached - complete in Word format and
return by email
· Copy of driver's licence
· Copy of passport
· 2 latest payslips (showing YTD)
· Payment summary/Group Certificate
· RE Agent rental letter
· Full contract signed by purchaser and vendor
· 10% deposit receipt
· 10% in bank savings account statement.
Should you have any queries please contact me.
Kind Regards
Len Yin BComm (Fins) LLB (USYD)
M: +61 422 354 868
T: +61 2 9698 7186
E: <mailto:[email protected]> [email protected]
W: http://www.bundleproperty.com.au/ bundleproperty.com.au
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