GuyfromMelbourne » user profile

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…

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…

Suncorp offers what he is after. When someone pays extra into the loan. Bank should either reduce the remaining term(which most banks do)…

I tried teaching but failed miserably.

Suncorp does amortisation the way you are after.

Good one mate. Not many found it funny but I did.

Na mate I am not confused. You are posting a new comment, instead of replying to existing one.

You hit reply on the message you are replying to. Just a general feedback on your ozbargain skills.

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…

And $10/month processing fee.

Too much fees. Have you asked the cashback brokers on ozbargain? That might work out better.

Compare the market deal is better if 100K loan. But they don’t have 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.…

There was one recently for me bank deal.

And they don’t pay the cashback until they recover the gap if the bank they recommended pays them less commission. Check the commission…

For an example loan of $400,000. The cashback promised here is $50/month($600/year). Out of that these guys will take away $10/month in…

Looks like it. Their employees will process application.

Assuming that online lenders offer better rates is not right. Heritage/People Choice are offering same as Unloan for variable. They have…

True that but these lenders don’t take on anything out of the blue. Which your case is. And if deal is good with a normal bank. Why would…

Why would you run around when brokers do this free of cost? Search for a mortgage broker on Ozbargain and go from there.

Wouldn’t [this](https://www.ozbargain.com.au/node/839207) work out better for a loan of $700K or more? The broker is offering 0.3%. Which…

Better rates easily available from so many banks.

[this](https://www.ozbargain.com.au/node/839207) is a better deal, with a additional broker cashback of 0.3%.

Because they won’t ask for your partner’s income etc if that wasn’t the case.

Because you cannot service both the loans just with your income, as per bank calculations. Technically they shouldn’t even offer the new…

**It’s for lunch only.** Tried this deal in Fat Jak’s Caroline Springs recently and really liked it. The meal is not huge but bigger…

Thanks for responding. Understand the 15% tax part. I just can’t get my head around is the negative gearing. This extra money parked in…

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Learned lessons after the first one.

Hello Everyone, I tried looking up but most of the discussions are about paying off mortgage vs making extra contributions into Super. I am…