2.14% (Home Loan) & 2.29% (Investment loan) for 3 Years Fixed with Full Offset @ TMB + 0.2% Broker Rebate

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AssociatedLJohnKKMK @ Mortgage Better on 24/04/2020 - 13:41 unibank.com.au (372 clicks)
Last edited 13/05/2020 - 12:59 by 1 other user

2.14% for Home & 2.29% for investment 3 years fixed with Full offset + 0.2% Broker Rebate @ Unibank, Health Professionals bank, Teachers mutual bank

Investment loan
- 2.29% for P&I repayment 3 years fixed (CPR 3.87%)
- 2.44% for Interest Only 3 years fixed rate (CPR 3.94%)
This fixed loan comes with Full offset account
One upfront $600 fee
No annual fees

Owner Occupier Home loan
- 2.14% for P&I repayment loans 3 years fixed (CPR 3.83%)
This fixed loan comes with Full offset account
One upfront $600 fee
No annual fees

PLUS broker rebate of 0.2%
rebate for refinances only and is based on loan amount net of offset. ie. balance owing. Minimum total combined net loan amount $350,000.

Please call or email for further information. We work with 35 lenders and always act in the best interest of of our clients. Our 5 star customers reviews on google and facebook reflects our customers satisfaction.

John Kim
Finance Specialist
Bachelor of Commerce, Diploma of Financial Planning, Diploma of Finance & Mortgage Broking
M: 0433 390 648
P: 02 8012 4282
E: [email protected]

All consumer credit related services are provided on behalf of BLSSA Pty Ltd ACN 117 651 760, Australian Credit Licence No. 391 237 by its authorised credit representatives as part of the a network operated by Brokerage House Pty Ltd ABN 40 607 041 421, trading as Our Broker CRN 485586. John Kim is a credit representative 508336 of BLSSA Pty Ltd.

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• 

  batrarobin on 24/04/2020 - 13:43

  EDIT: found the info.

  • 

    AssociatedJohnKKMK @ Mortgage Better on 24/04/2020 - 13:45

    Please feel free to call or email us for further details. thanks.

• 

  cucumber on 24/04/2020 - 14:03

  +1

  Do you do owner occ interest only?

  • 

    AssociatedJohnKKMK @ Mortgage Better on 28/04/2020 - 11:36

    Interest only loans for owner occupier isn't preferred by the banks but yes these are available from certain lenders. would be happy to discuss the options with you. more than happy to explain & discuss further if you would like contact me via phone or email.
    M: 0433 390 648
    E: [email protected]

• 

  2stroksmokr on 24/04/2020 - 14:07

  +1

  What are the costs involved during the yearly period of the 2.14% loan? Must be decent go from 2.14 to 3.83.

  • 

    AssociatedJohnKKMK @ Mortgage Better on 28/04/2020 - 11:42

    The comparison rates is not a reliable indicator as it assume a lot of factors that are different to clients. We as finance brokers are legally obligated to disclose this rate however it often confuses the consumers more than it helps them. For example, comparison rates often assume:

    1. a loan amount of $150k or $250k
    2. that an individual will stay with the same bank for 25 years and not re-fix or refinance for the whole term.
    3. use an 'assumed' future variable revert rate which is often different from what it end up being in the future.

    The fees this deal is $600 upfront fee and no on-going fees. The reason for the higher comparison rate is mainly due to the fact that this bank assumes the variable rate will be higher in 3 years time.

    I hope this clarifies your question. more than happy to explain & discuss further if you would like contact me via phone or email.
    M: 0433 390 648
    E: [email protected]

• 

  countmein on 24/04/2020 - 14:09

  How do fixed rate and offset account work together? If money keeps in/out then the interest recalculated and not fixed anymore?
  Genuine question

  • 

    AssociatedJohnKKMK @ Mortgage Better on 28/04/2020 - 11:43

    It would work the exact same way as a variable rate loan would work except the rate would be fixed for the period.
    The money in the offset account would offset the fixed rate interest.
    more than happy to explain & discuss further if you would like contact me via phone or email.
    M: 0433 390 648
    E: [email protected]

• 

  alexm1 on 08/05/2020 - 13:54

  How much is the loan discharge fee?

  • 

    muzzy1907 on 08/05/2020 - 19:04

    I've just applied via my own broker and it was $75.
    Be quick tho, I heard they were gonna up the rate 2 days ago. Just the messenger.

  • 

    AssociatedJohnKKMK @ Mortgage Better on 12/05/2020 - 22:09

    the discharge fee for this lender is $75. The discharge fee from your current lender will most likely be different. please give me a call and I can take you through all your questions.
    M: 0433 390 648
    E: [email protected]

• 

  dbglt on 22/05/2020 - 17:08

  Is this offer still going?

  • 

    zozuc on 22/05/2020 - 17:25

    I think it increased to 2.19%.