GuyfromMelbourne » user profile

Member Since 01/12/2018
Last Seen 14 hours 30 min
Badges 2
Location Melbourne

Recent Activities

GuyfromMelbourne commented on Variable Home Loan from 5.53% (CR 5.72%) + $3,288 Refin Cashback + $2,000 Purchase CB + up to 0.4% Broker Rebate @ Bank of China
There are multiple people complaining about this broker [here](https://www.ozbargain.com.au/node/805871). Until every person on that posts…
01/03/2025 - 01:11
GuyfromMelbourne replied to terlalu on What Is Your Homeloan Interest Rate in 2025?
You are getting ripped off. Do something about it. Will be well worth it.
24/02/2025 - 23:50
GuyfromMelbourne replied to T-man on What Is Your Homeloan Interest Rate in 2025?
Mate seriously how hard can it be to pick a phone and call a broker for help. They are literally sharing commissions and will find a…
24/02/2025 - 23:47
GuyfromMelbourne commented on What Is Your Homeloan Interest Rate in 2025?
Maybe mention owner occupied, principal and interest and variable to make sure everyone on same page.
23/02/2025 - 09:35
GuyfromMelbourne commented on AmEx No Longer Offers Retention Offers and I Assume Other Banks Due to Gov Regulation
Next time try prompting, I reckon that might work. Instead of saying cancel the credit card. Try saying “I am happy to keep it, if you…
15/02/2025 - 23:12
GuyfromMelbourne replied to curtturtle on $3,000 Cashback for Refinance (Min $700,000, Max 80% LVR), $2,000 Cashback for Owner Occupied or Investment Home Loan @ ME Bank
Ballpark figure is $1K. On a high side. Just to get the number crunching started. There are brokers offering a portion of commission on…
04/02/2025 - 14:15
GuyfromMelbourne replied to DingoBlue on 2-Year Fixed Home Loan from 5.55% p.a. (CR 6.05% p.a.) + 0.10% Broker Cashback @ Macquarie Bank
That is assuming rates don’t move for year. Which is not mentioned as assumption.
20/01/2025 - 20:18
GuyfromMelbourne replied to Trishool on 2-Year Fixed Home Loan from 5.55% p.a. (CR 6.05% p.a.) + 0.10% Broker Cashback @ Macquarie Bank
The truth is no one knows where the rates will go. Mr. Lowe tried predicting and that didn’t end well for him.
20/01/2025 - 18:32
GuyfromMelbourne replied to nafe on 15% off Store Wide: Boot Liners, Mats, WeatherShields, Tesla Accessories & Free Shipping @ X-CAR
Trying for MG4 products. How can I share snapshot here please.
20/01/2025 - 09:13
GuyfromMelbourne commented on Please Suggest Ways of Savings in Regular Expenses
Biggest savings are in rent/mortgage normally. What percentage if your income is going there and is there a possibility to change that?
17/01/2025 - 01:31
GuyfromMelbourne replied to Sushan Maharjan on $2,000 Refinance Cashback (Min $250,000 and LVR up to 80%) @ ANZ
So 5.78% if you have solar and 5.88% if no solar. But you mentioned variable 5.79%. Where is that from? By the way you can’t even put an…
09/01/2025 - 10:45
GuyfromMelbourne replied to Lizard Spock on $2,000 Refinance Cashback (Min $250,000 and LVR up to 80%) @ ANZ
Not sure how to do that.
08/01/2025 - 21:14
GuyfromMelbourne replied to Lizard Spock on $2,000 Refinance Cashback (Min $250,000 and LVR up to 80%) @ ANZ
Lol. Couldn’t agree more. This is the most annoying one, out of all.
08/01/2025 - 19:09
GuyfromMelbourne commented on $2,000 Refinance Cashback (Min $250,000 and LVR up to 80%) @ ANZ
7 revisions and the information is still not correct. Op has mentioned his broker id on an open forum, which is a serious breach. The rates…
08/01/2025 - 19:02
GuyfromMelbourne commented on Buying Our Second Home - Best Way to Finance
There are plenty of brokers that post deals here and offer cashbacks too. Just talk to one. No one can tell you the solution here unless…
18/09/2024 - 01:12
GuyfromMelbourne replied to Henski on Home Loan Product Where Monthly Repayment Is Based on Balance
You also have the option to not make a repayment if you have already paid extra into the loan. You can cancel direct debits and make…
14/09/2024 - 09:38
GuyfromMelbourne replied to MrThing on Home Loan Product Where Monthly Repayment Is Based on Balance
Suncorp offers what he is after. When someone pays extra into the loan. Bank should either reduce the remaining term(which most banks do)…
14/09/2024 - 09:30
GuyfromMelbourne commented on Home Loan Product Where Monthly Repayment Is Based on Balance
Suncorp does amortisation the way you are after.
13/09/2024 - 15:27
GuyfromMelbourne replied to youwintoo on 5.99%pa Variable P&I (CR 6.02%) + 0.20%pa Broker Cashback @ Auswide Bank
Na mate I am not confused. You are posting a new comment, instead of replying to existing one.
04/08/2024 - 17:21
GuyfromMelbourne replied to youwintoo on 5.99%pa Variable P&I (CR 6.02%) + 0.20%pa Broker Cashback @ Auswide Bank
You hit reply on the message you are replying to. Just a general feedback on your ozbargain skills.
04/08/2024 - 00:10
GuyfromMelbourne commented on Mortgage Broker Who Gives Trail Commission Back?
Hi Op, not being smart ass but genuinely curious to understand your thinking. Why not a portion of upfront? Why trail only? Do you want a…
13/07/2024 - 12:28
GuyfromMelbourne replied to Alyone on Mortgage Broker Who Gives Trail Commission Back?
And $10/month processing fee.
13/07/2024 - 12:24
GuyfromMelbourne replied to morse on Any Reason Why I Would/Wouldn’t Go with a Qantas Home Loan for Investment Purposes?
Too much fees. Have you asked the cashback brokers on ozbargain? That might work out better.
15/06/2024 - 20:51
GuyfromMelbourne replied to plain_biscuit on Bank of China Offset Variable Rate from 5.98% p.a. (CR 6.34% p.a.) + 0.15% p.a. Broker Cashback @ Bank of China
Compare the market deal is better if 100K loan. But they don’t have bank of china.
22/05/2024 - 23:22
GuyfromMelbourne replied to plain_biscuit on Bank of China Offset Variable Rate from 5.98% p.a. (CR 6.34% p.a.) + 0.15% p.a. Broker Cashback @ Bank of China
That is correct. Rates depend on bank and product. Broker cashback applicable to all banks. Or compare the market could workout better too.…
22/05/2024 - 23:20
GuyfromMelbourne replied to star-ggg on Bank of China Offset Variable Rate from 5.98% p.a. (CR 6.34% p.a.) + 0.15% p.a. Broker Cashback @ Bank of China
And they don’t pay the cashback until they recover the gap if the bank they recommended pays them less commission. Check the commission…
22/05/2024 - 18:54
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