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Extra $1000-$4000 Cashback from Home Loan Mortgage Broker (Refinance or Property Purchase) @ Lending Clinic

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Extra $1000-$4000 Cashback from Home Loan Mortgage Broker (Refinance or Property Purchase) @ Lending Clinic
Go to Deal
AssociatedMortgage Broker on 10/04/2023 - 08:53 lendingclinic.com.au (182 clicks)
OzBargain

Hello OzBargainers,

Is your home loan fixed rate about to expire?

We have a panel of banks who offer very competitive fixed and variable rates, with $3K-$5K cashback incentive to win your business.

Plus until 30 June 2023, we can also give you the following BROKER-FUNDED CASHBACK, if you quote this OzBargain post when you first contact us:

Loan Balance Broker Cashback
$500K - $749K $1000
$750K - $999K $1500
$1.00M - $1.249M $2000
$1.25M - $1.499M $2500
$1.50M - $1.749M $3000
$1.75M - $1.999M $3500
$2M or more $4000

Terms and Conditions:

  • You need to still have the loan until the end of the lender's commission clawback/refund period, which is either 18 or 24 months. The broker cashback will be paid at this point.
  • The loan balance applicable will be based on the lender's commission calculation method, which is generally the amount net of what's in your redraw facility & offset account.
  • Applicable for either a refinance or a property purchase, where we don't need to extend the pre-approval or submit another application.
  • Not applicable if the transaction involves a construction loan or a bridging loan.
  • Application must be submitted by 30/06/2023.

Our $1000-$4000 broker cashback is in addition to any applicable lender cashback (typically another $3K-$5K).
Please refer to the lender's website for their cashback terms & conditions. Typically you cannot have received a cashback from the lender within the previous 12 months, and cannot refinance within the same banking group.

Our broker cashback offer can be used with any banks and non-bank lenders on our panel, including popular ones such as ANZ, Westpac, St.George, Bank of Melbourne, BankSA, ING, Macquarie Bank, Ubank, Suncorp, ME Bank, AMP.

Some popular offers we can get at the moment:

  • ING: 2-year fixed rate from 5.44% (CR 5.30%), 4-year fixed rate from 5.34% (CR 5.30%), with refinance cashback of $3000 [Min Loan $350K]
  • Macquarie Bank: 3-year fixed rate from 5.29% (CR 5.31%), with free rate lock after formal loan approval
  • Westpac: variable rate from 5.14% (CR 5.47%), with refinance cashback from $3500 [Min Loan $250K]
  • Bank of Melbourne: variable rate from 5.12% (CR 5.47%), with refinance cashback of $4000 [Min Loan $250K]
  • ANZ: variable rate from 5.29% (CR 5.29%), with refinance cashback of $4000 (or $3000 First Home Buyer cashback) [Min Loan $250K]
  • Ubank: variable rate from 5.24% (CR 5.26%), with refinance/property purchase cashback of $4000 [Min Loan $400K] or $5000 [Min Loan $1M]

We have very quick turnaround time and can generally submit your application to the bank within 1-2 days!

We look forward to helping you save money, or buy a property.

Arman Soetanto
M: 0431 825 128
E: [email protected]
W: www.lendingclinic.com.au
Lending Clinic Pty Ltd (Credit Representative Number 511270) is authorised under Australian Credit Licence Number 384704

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closed Comments

  • jazattack on 10/04/2023 - 09:34

    Hi Arman, what is a decent investment rate you are getting at the moment?

    • AssociatedMortgage Broker @ Lending Clinic on 10/04/2023 - 10:14

      If fixed rate, Macquarie has really good 3-year fixed at 5.49% (70% LVR).
      For variable rate can get 5.44% from Westpac (70% LVR), or 5.39% from Suncorp (60% LVR).

      • axlfan on 14/04/2023 - 16:35

        Anything for 80% LVR please?

        • AssociatedMortgage Broker @ Lending Clinic on 14/04/2023 - 20:52

          Yes the above banks also have very good offer at 80% LVR.
          Should be able to get you Macquarie 5.59% 3-year fixed rate, Westpac 5.59% variable rate, Suncorp 5.53% variable rate.

  • samehada on 10/04/2023 - 11:12

    I can't see this rate 5.29% on ANZ website, what is the LVR for this rate? What ANZ Home Loan product is this?

    • AssociatedMortgage Broker @ Lending Clinic on 10/04/2023 - 11:38

      It's the one called Standard variable with optional offset. Would you like me to give you a call to organise the approval?

      • samehada on 10/04/2023 - 14:22

        The lowest rate I can see on ANZ website is 5.44% on Basic Variable homeloan and that is only for up to 60% LVR

        • AssociatedMortgage Broker @ Lending Clinic on 10/04/2023 - 15:24

          Negotiated rate :)
          Major banks often don't publish their best rates on their websites.

          • samehada on 10/04/2023 - 15:50

            @Mortgage Broker: What are the fees that ANZ charge for refinance? They listed lots of fees on their home loan product like lodgement fee, production fee, search fee. What is LVR requirement for this rate?

            • AssociatedMortgage Broker @ Lending Clinic on 10/04/2023 - 16:51

              @samehada: For a standard refinance, ANZ only charges title search fee which is usually around $20, but vary a bit depending on where the property is. The other fees you see on their website is for special circumstances if you want certain things done, and for the mortgage discharge later if you refinance again or sell the property (2 x $160 = $320 discharge cost which they label as 2 separate fees for the 2 components).
              For the LVR, it's a negotiated price so best if we discuss privately, it also depends on the loan amount and the pricing is not black and white. I have sent you a message.

  • bansid on 10/04/2023 - 12:26
    +1

    Hi Arman,

    1. what's the best interest only for investment rate for 550K loan for 65% LVR?
    2. What's the best Owner occupier variable rate for 500K loan for 75% LVR?

    Thanks

    • AssociatedMortgage Broker @ Lending Clinic on 10/04/2023 - 13:22

      Just sent you a PM :)

  • ronnknee on 11/04/2023 - 01:32

    I refinanced my home loan last year through Arman. He was responsive, diligent and very pleasant to work with. Highly recommend.

    • AssociatedMortgage Broker @ Lending Clinic on 11/04/2023 - 16:09

      Thanks Ron! Was really great to work with you, and hope to assist again soon!

  • amorn on 25/04/2023 - 13:51

    Hi Arman. I own two studios. considering if getting a mortgage might improve my finances. what is the way to go about exploring? TY

    • AssociatedMortgage Broker @ Lending Clinic on 26/04/2023 - 18:50

      Sure, happy to give you a call, or you can call me on 0431 825 128 :)

  • nmehta on 19/06/2023 - 13:20

    We’ve recently refinanced several loans with Arman from Lending Clinic and can vouch for his services. Our situation was challenging with multiple loans that was making the serviceability a big challenge. We approached at least 3 mortgage brokers as well as a couple of banks directly where most indicated it was too difficult to get across the line.

    Arman was the only one who took the time and lots of effort to not only get us the refinance done but also got us really good rates. His service is 2nd to none and extremely a good communicator. Highly recommend reaching out to Arman and see what best he can do for you.

    Thanks Arman for the smooth process and I'll be in touch soon for the last loan to be refinanced later this week.

  • NotBritishorUK on 03/07/2023 - 12:12

    Wish I'd seen this, just got a large mortgage last month through a broker with no broker cashback :(

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