GuyfromMelbourne » user profile
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Member Since | 01/12/2018 |
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Last Seen | 3 hours 39 min |
Badges | 2 |
Location | Melbourne |
Recent Activities
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GuyfromMelbourne replied to
morse on Any Reason Why I Would/Wouldn’t Go with a Qantas Home Loan for Investment Purposes?
![](https://files.ozbargain.com.au/u/89/175189-20.jpg?h=3094ac6f)
Too much fees. Have you asked the cashback brokers on ozbargain? That might work out better.
![](https://files.ozbargain.com.au/g/38.jpg)
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
![](https://files.ozbargain.com.au/g/20.jpg)
Compare the market deal is better if 100K loan. But they don’t have bank of china.
![](https://files.ozbargain.com.au/g/38.jpg)
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
![](https://files.ozbargain.com.au/g/20.jpg)
That is correct. Rates depend on bank and product. Broker cashback applicable to all banks. Or compare the market could workout better too.…
![](https://files.ozbargain.com.au/g/38.jpg)
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
![](https://files.ozbargain.com.au/g/20.jpg)
There was one recently for me bank deal.
![](https://files.ozbargain.com.au/g/38.jpg)
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
![](https://files.ozbargain.com.au/g/20.jpg)
And they don’t pay the cashback until they recover the gap if the bank they recommended pays them less commission. Check the commission…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne commented 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
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…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne replied to
Ash-Say on $2000 Cashback on Top of Any Lender Offer (Min. $100,000 Home Loan, Eligibility Criteria Apply) @ Compare The Market
![](https://files.ozbargain.com.au/g/20.jpg)
Looks like it. Their employees will process application.
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne replied to
Homr on $2000 Cashback on Top of Any Lender Offer (Min. $100,000 Home Loan, Eligibility Criteria Apply) @ Compare The Market
![](https://files.ozbargain.com.au/u/16/124616-20.jpg?h=feb697fc)
Assuming that online lenders offer better rates is not right. Heritage/People Choice are offering same as Unloan for variable. They have…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne replied to
Homr on $2000 Cashback on Top of Any Lender Offer (Min. $100,000 Home Loan, Eligibility Criteria Apply) @ Compare The Market
![](https://files.ozbargain.com.au/u/16/124616-20.jpg?h=feb697fc)
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…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne replied to
Homr on $2000 Cashback on Top of Any Lender Offer (Min. $100,000 Home Loan, Eligibility Criteria Apply) @ Compare The Market
![](https://files.ozbargain.com.au/u/16/124616-20.jpg?h=feb697fc)
Why would you run around when brokers do this free of cost? Search for a mortgage broker on Ozbargain and go from there.
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne replied to
blueonion on $2000 Cashback on Top of Any Lender Offer (Min. $100,000 Home Loan, Eligibility Criteria Apply) @ Compare The Market
![](https://files.ozbargain.com.au/g/20.jpg)
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…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne commented on $375 Annual Fee Reimbursed on Home Package Plus Home Loan (Min Loan $150,000, Save up to $11,250 over 30 Years) @ Suncorp
Better rates easily available from so many banks.
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne commented on Owner Occupied 2- & 3-Year Fixed Rate Home Loans: 5.79% for LVR under 80% / 5.99% for LVR 80%-90% @ ME Bank
[this](https://www.ozbargain.com.au/node/839207) is a better deal, with a additional broker cashback of 0.3%.
![](https://files.ozbargain.com.au/g/38.jpg)
Because they won’t ask for your partner’s income etc if that wasn’t the case.
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GuyfromMelbourne commented on Loan and Partner Income Verification
Because you cannot service both the loans just with your income, as per bank calculations. Technically they shouldn’t even offer the new…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne posted a deal [VIC] Junior Burger and Junior Fries $9.99 Lunch Time Only @ Fat Jaks
**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…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne replied to
Dollar General on Pay into Investment Property Loan Vs Super Concessional Contribution
![](https://files.ozbargain.com.au/g/20.jpg)
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…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne replied to
Muzeeb on Pay into Investment Property Loan Vs Super Concessional Contribution
![](https://files.ozbargain.com.au/u/17/330117-20.jpg?h=25fe95e9)
Ask OzB
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne replied to
AustriaBargain on Pay into Investment Property Loan Vs Super Concessional Contribution
![](https://files.ozbargain.com.au/u/24/190424-20.jpg?h=cb15bb65)
Learned lessons after the first one.
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GuyfromMelbourne posted a forum topic Pay into Investment Property Loan Vs Super Concessional Contribution
Hello Everyone, I tried looking up but most of the discussions are about paying off mortgage vs making extra contributions into Super. I am…
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GuyfromMelbourne commented on ME Bank Home Loan Refinance Cashback: $2000 on Minimum $400,000 Loan, $3000 on Minimum $700,000 Loan, LVR up to 80%
Any broker cashback?
![](https://files.ozbargain.com.au/g/38.jpg)
Did you look at westpac/bank of Melbourne? Also, hope your broker is offering broker cashback. There are few on OB that offer broker…
![](https://files.ozbargain.com.au/g/38.jpg)
There are 2 best ones on ozbargain. 1. Withcashback. They offer 0.6% of loan amount. 2. Lending Workshop. They offer 0.4% of loan amount.…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne replied to
enigma48 on 100% Offset Variable Rate Home Loan 5.29% p.a. (5.65% CR) + up to $5,000 Cashback for Refinance @ Heritage Bank
![](https://files.ozbargain.com.au/g/20.jpg)
When these small lenders offer the best deal. They struggle with volumes. Unable to cope.
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GuyfromMelbourne commented on $2000-$4288 Home Loan Purchase/Refinance Cashback, Offset Variable Rate from 5.18% (CR 5.56%), fixed from 5.29% @ Bank of China
Look at their website. Why would you want to do this to yourself? Unless jumping again in short period.
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne commented on Suncorp Extends Refinance Rebate from 1 Per Borrower to 1 Per Property (Min Loan $500,000 & LVR <= 80%) @ Suncorp
How is this any better or different than [this deal](https://www.ozbargain.com.au/node/766013) Suncorp have been doing cashback per…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne commented on Owner Occupied Fixed Rates Home Loan 1 and 2 Years 5.44% (5.28% & 5.30% CR) under 80% LVR @ ING
> ING - $3,500 for loan amount $350k when refinancing by 31st May 2023. Is this a typo OP? ING Website only says $3K
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne replied to
the-fuzz on Owner Occupied P&I Variable Rates from 5.24% (CR 5.57%, LVR <70%) 2 Year Intro for @ Westpac
![](https://files.ozbargain.com.au/g/20.jpg)
What about cashback? Also, Athena started the same way. Look at their rates today. I hope unloan can prove that Aussies want set and forget…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne replied to
punkman on Owner Occupied P&I Variable Rates from 5.24% (CR 5.57%, LVR <70%) 2 Year Intro for @ Westpac
![](https://files.ozbargain.com.au/g/20.jpg)
Hi @punkman, not defending op. I have negged his last deal in past. But he is right on this point. Unloan doesn’t deal with brokers.…
![](https://files.ozbargain.com.au/g/38.jpg)
GuyfromMelbourne commented on Up to $4000 Broker Rebate for Home & Refinance Loans @ Heroes Home Loan
[This](https://www.ozbargain.com.au/node/761110 ) broker is offering double cashback. So this is not a deal in my opinion.
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