ING Variable with Offset 2.04% PI <= 80% LVR, $3,000 Bank Cashback on Refinance

Merry Christmas and Happy New Year!!
We can still assist clients who need home loan assistance as banks are still operating but be mindful that the turnaround time will be slow. The options we presenting here may not be the cheapest compared to some of the online lenders (may have harder and tighter assessments). The beauty of going through us is we can always find you the right bank that can fit your situation while ensuring the rates are good.

Good option for Ozbargain members who are thinking to refinance for a good variable rate with a fully offset account plus generous cashback of $3000. ING’s conditions for cashback are as follows:

• $3,000 cash back where the refinance amount is $500,000 or more.
• Eligible loan applications to be submitted before 31 March 2022. Must settle by 30 June 2022.
• Must have an Orange Advantage package with an annual fee of $299.
• Limited to one $3,000 refinance cashback per application irrespective of the number of properties or borrowers included on the application.

Carded rates:
Owner occupied P&I with comparison rate (CR)
2 years fixed 2.49% CR 3.84% at 80% LVR
3 years fixed 2.89% CR 3.81% at 80% LVR
Variable rate with offset 2.04% CR 2.40% at 80% LVR

Investment P&I with comparison rate (CR)
2 years fixed 2.69% comp. 4.42% for 80% LVR
3 years fixed 3.09% comp. 4.35% for 80% LVR
Variable rate with offset 2.34% CR 2.69% at 80% LVR

Comparison Rates
Any quoted comparison rate is only true for the example given and may not include all fees and charges. Different terms, loan amounts or fees may result in a different comparison rate. Comparison rates are based on a loan amount of $350,000 over a loan term of 30 years.

Other refinancing rebates available:
Virgin - Get up to $3,000 cashback when you refinance your home loan before 30 Jan 2021 T&Cs apply.
BOQ - Get up to $3,000 cashback when you refinance your home loan before 30 Jan 2021 T&Cs apply.
MYSTATE - Get up to $3,000 cashback when you refinance your home loan until 28 Feb 2022 T&Cs apply.

Broker Rebate Terms and Conditions
We are offering a $500 upfront cashback for loan greater than $500k (excluding offset and redraw) for any fixed term loan of 2 years or more. $1,000 upfront cashback for loans $1M and above (excluding offset and redraw) for any fixed term loan of 2 years or more.
Maximum of 1 cashback per household (e.g. per couple).

Get in touch with us now for a no-obligation home loan review 📞💬. We are fully set up to help you online 💻 based on your schedule from review to submission.
https://calendly.com/james-sim

*Apology we don't check OZbargain forum constantly. Quicker response is to email or call us.
James Sim - Senior Mortgage Broker
M: 02 8319 4862 / 0487 000 098
E: [email protected] or [email protected]
W: https://www.nectarmortgages.com.au/project/james-sim/ or http://jamessimbroker.com.au
Australian Credit License number 387856
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