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$4000 Cashback for Refinance for O/O Variable Rate from 4.74% (CR 4.75%) / 2YR Fixed 5.59% (Rates Expired) @ St George

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$4000 Cashback for Refinance for O/O Variable Rate from 4.74% (CR 4.75%) / 2YR Fixed 5.59% (Rates Expired) @ St George
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AssociatedWilson Heroes HL @ Heroes Home Loans on 03/02/2023 - 09:32 stgeorge.com.au (263 clicks)
Last edited 27/02/2023 - 09:07 by 3 other users

Hello All Ozbargainers

I hope you're all having a wonderful start to the year. Please find the latest rates

Current Variable Rates:
Owner Occupied (redraw only):
• P&I Variable 70% LVR - 4.74% (Comp Rate: 4.75%)
• P&I Variable 80% LVR - 4.84% (Comp Rate: 4.85%)

Owner Occupied: (offset only)
- Depends on the loan size and LVR. Rates can range from 4.69-4.99%. Please contact us for precise quote

Current Fixed Rates:
Owner Occupied:
• P&I Variable 70% LVR - 5.39% - One year fixed
• P&I Variable 80% LVR - 5.49% - One year fixed
• P&I Variable 70% LVR - 5.59% - two year fixed
• P&I Variable 80% LVR - 5.69% - two year fixed

Investment: (redraw only)
• P&I Variable 70% LVR - 4.99% (Comp Rate: 5.24%)
• P&I Variable 80% LVR - 5.09% (Comp Rate: 5.34%)

Investment: (offset only)
- Depends on the loan size and LVR. Please contact us for precise quote

Fees applicable
No Establishment fee - savings you $600
annual fee of $395 only applicable for loan with 100% offset accounts

Apply by 28th February 2023, and settle by 31st May 2023. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR up to 80%. Available on home loans with our Advantage Package ($395 annual package fee) and our Basic Home Loan (no annual fee). $250k min loan. Only one $4K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^

We also offer the following product as well
ING - 4.74% for Owner Occupied + $3,000 cashback
Citibank - 4.89% variable rate for Owner Occupied up to $5000 cashback
Westpac- 4.64% variable rate for Owner Occupied up to $4000 cashback
Ubank- 4.74% variable rate for Owner Occupied up to $4000 cashback
ANZ - 4.84% variable for Owner Occupied + $4000 cashback

Please feel free to email me at [email protected] or text/call me on 0477 200 670 and I would be happy to answer all finance related questions.

Wilson Yuan
Managing Director
M : 0477 200 670
E : [email protected]
W: www.heroeshomeloans.com.au

ABN 17 654 630 529 | Certified MFAA Member 230928 | Australian Credit Licence number 389328 | Credit Representative’s number 530101
http://heroeshomeloans.com.au/

Financial Cashback Home Loan Loan Refinance

Related Stores

St.George Bank
St.George Bank
Heroes Home Loans
Heroes Home Loans
Third-Party

closed Comments

  • Stalker on 03/02/2023 - 09:45
    +1

    Question - Are there actually people choosing to go fixed at this point in time?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 03/02/2023 - 09:46

      Yes there are, people that are concern that RBA will increase rates significantly this year due to high inflation and dont want to get caught out with the repayments

  • MuddyClear on 03/02/2023 - 09:56

    Question:

    How long to process application?
    How long to receive 4K cash back?

    Thanks

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 03/02/2023 - 10:09
      +1

      around 3 business days for approval and around 3-4 weeks to switch lenders.
      $4000 cashback will be paid within 60 days of settlement

  • atom1319 on 03/02/2023 - 09:57

    Should I go SPLIT loan variable with 1 year fixed or 2 year fixed?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 03/02/2023 - 10:08

      Yes you can if you have additional funds that you can put in the offset account to offset the interest

  • minijumbuk on 03/02/2023 - 10:09

    I did refinance with at George a month ago was able to get 5k cash back

    https://ibb.co/5hH6h4z

    • crackman on 03/02/2023 - 10:16

      via broker or yourself?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 03/02/2023 - 10:26
      +1

      Unfortunately the 5K offer expired, it was for applications that had to be submitted before the 30/12/22

      • RichieVn on 05/02/2023 - 14:30
        -1

        Not what my broker told me last week for BOM…

        • AssociatedWilson Heroes HL @ Heroes Home Loans on 15/02/2023 - 11:02

          Ask him to double check, because it definitely expired.

  • Mkak on 03/02/2023 - 10:12
    +2

    Research each broker before you decide on using one.

  • homersyd on 03/02/2023 - 10:13
    +1

    is there a min. locked in period once you switch over to st george? ie. after you get the $4k can you leave them in say 1 year?

    • MuddyClear on 03/02/2023 - 10:44

      I like to know also. Can’t move forward without the following information.

      So questions:

      Is there an early exit/discharge fee?

      Also what are the exit/discharge fees?

    • [Deactivated] on 03/02/2023 - 12:33
      +1

      i refinanced within 6 months after getting cashback from st george no problem

  • amaneight on 03/02/2023 - 10:15

    Any offer for existing St.George customer?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 03/02/2023 - 10:27

      No unfortunately

    • BargainMumma on 03/02/2023 - 11:46
      +2

      We are with St George and negotiated our rate last night on the phone. Ph 1300 302 302. Variable 4.64%. Used comparison rates of AFG 4.49% and 4.39% ME BANK, our new rate is lower than their current campaign rate. Doesn't hurt to ask and argue. Saved $200/month.

    • aussieaubs on 04/02/2023 - 11:44

      they wait for you to have one foot out the door before coming back begging you not to leave. its like an abusive relationship and you've finally asked them to get out…. and just as they have one foot out the door - " I promise to change….."

  • seanmilt on 03/02/2023 - 10:19
    +2

    Has everyone else seen The Mutual Banks offer, Budget Home Loan, LVRs less than 60% at 3.99%.
    Seems legit, free redraw, no limit on additional repayments, no setup or monthly fees.
    Seems a killer deal, being almost a whole percent lower than most competitors.

    Reckon this rate will last? Can't see where the exit/discharge fees for the loan are on the website (something I always check to allow for easy refinance..)

    https://www.themutual.com.au/home-loans/owner-occupied-home-…

    • watertight on 25/02/2023 - 10:31

      I can only see 5.83% on that link you posted.

    • sim0an on 01/03/2023 - 18:14

      A bit late, but yep, its a thing. Well, it was until 28 February.

      We just refi'd to it. A full 1.35% less than what we're on now - 3.39% discount of the SVR. It's not an introductory rate either.. it's for the life of the loan. Comparison rate is also 3.99. Insane!

      • seanmilt on 01/03/2023 - 18:49

        Wow, they haven’t bumped your rate by 0.70% like their advertised rate?? I opted for HSBC given the cashback at the time (pre this rise) being .55% higher but the cashback outweighing benefit for a full 12 months based on my 650k loan

        Was worried mutual would get customers in then bump their rates swiftly

        • sim0an on 03/03/2023 - 18:33

          Not yet lol.. This was a special deal though and I am assuming it will increase along with the RBA announcements but 0.25% at a time?

          it's based off their Standard Variable Rate, which is currently 7.83%

        • sim0an on 03/03/2023 - 18:35

          Oh, I see what you're saying - they're now offering 4.69% on the same loan. Nah, so far it's still at 3.99

        • sim0an on 06/03/2023 - 08:02

          So, their interest rates changed on 1 March and all their existing loans increased by 0.25%. The 3.99% increased 0.25% to 4.24%.

          The 4.69% is a completely different loan offer (same loan type though, I think).

          So no increase of 0.70%!

          • seanmilt on 06/03/2023 - 08:03

            @sim0an: That’s a great outcome… bugger I knocked it back for HSBC

            • sim0an on 06/03/2023 - 16:38

              @seanmilt: I've got to say, I was sitting on the couch Saturday night thinking about your original comment so I went digging on their website and quietly freaked out for a while thinking "I knew it was too good to be true" but I emailed the bank guy who is doing our loan and he confirmed this morning.

              I think we would have pulled out if it jumped to 0.70% to be honest (we're approved but still awaiting contract docs), because I would be scared they'd continue to bump it up dramatically after the fact too

  • AL008 on 03/02/2023 - 10:31

    Cashback only applicable for Owner Occupied loans?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 03/02/2023 - 10:59

      For both Owner occupied and investments loans that are refinancing

  • coast666 on 03/02/2023 - 11:01
    -1

    I believe city bank is no longer offering homeloan to new customers

    • Some Guy on 21/02/2023 - 01:08

      Dunno why you were negged. Spelling maybe? From the Home Loan page, this pops up:

      "Please note that as of 31 March 2023 we will no longer be accepting applications for new Citi branded home loans. Our dedicated team will remain available to support existing customers with any variations and modifications required to your home loan. Visit our FAQs for more information."

  • Detonal on 03/02/2023 - 11:43
    +1

    Tried to find any info on your privacy policies or how you handle personal/financial information but could not see them on your website.
    Could you please point me towards the right URL?
    Thanks!

  • BargainMumma on 03/02/2023 - 11:45
    +2

    We are with St George and negotiated our rate last night on the phone. Ph 1300 302 302. Variable 4.64%. Used comparison rates of AFG 4.49% and 4.39% ME BANK, our new rate is lower than their current campaign rate. Doesn't hurt to ask and argue. Saved $200/month.

    • mafim on 03/02/2023 - 12:14

      Thanks for sharing, but how yo uget 4.39% with ME BANK? just checked their website and the rate is 4.74%

  • Magoox22 on 06/02/2023 - 12:09

    If i have an existing NAB home loan, and want to switch to ubank, do i still get the cashback seeing as ubank is owned by NAB?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 06/02/2023 - 13:47

      No unfortunately you wont, but you can refinance to Westpac and St George and get the cashback

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