JohnKKMK » user profile
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Status | In Penalty Box. |
---|---|
Member Since | 04/04/2020 |
Last Seen | 25/04/2023 |
Badges | 1 |
Recent Activities
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JohnKKMK replied to
drprox on Beyond Bank – Owner Occupier 2 Years Fixed Rate Home Loans Starting from 1.79% (3.73% Comparison Rate) + $395 Annual Fee
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thank you. unfortunately by law we have to advertise the CPR, however it confuses consumers alot.
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
firefrenchy on Beyond Bank – Owner Occupier 2 Years Fixed Rate Home Loans Starting from 1.79% (3.73% Comparison Rate) + $395 Annual Fee
![](https://files.ozbargain.com.au/g/20.jpg)
hello, please have a read how CPR works. It uses assumptions that your loan is $150k and you will never refinance for 25 years and stay on…
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK posted a deal Beyond Bank – Owner Occupier 2 Years Fixed Rate Home Loans Starting from 1.79% (3.73% Comparison Rate) + $395 Annual Fee
**Owner Occupier Fixed rate special <60% Loan to Value Ratio** * 1.79% for 2 years fixed for home loans (CPR 3.73%) * 2.09% for 3 years…
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
Titan84 on Up to $6,000 Cashback for Refinance & Purchases + Rates from 1.89% 2 Yrs Fixed - Citibank
![](https://files.ozbargain.com.au/g/20.jpg)
hi there, two properties is fine thanks.
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
clubhonda on Up to $6,000 Cashback for Refinance & Purchases + Rates from 1.89% 2 Yrs Fixed - Citibank
![](https://files.ozbargain.com.au/g/20.jpg)
Hi clubhonda. Thanks for your post. Yes some brokers compete by giving away their income which may work for their business model. We…
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JohnKKMK replied to
akstatic on Up to $6,000 Cashback for Refinance & Purchases + Rates from 1.89% 2 Yrs Fixed - Citibank
![](https://files.ozbargain.com.au/u/61/364761-20.jpg?h=b1d6d4dd)
You're welcome. Good luck with your application! Im glad my post could get you a better deal :)
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JohnKKMK replied to
mb5802002 on Up to $6,000 Cashback for Refinance & Purchases + Rates from 1.89% 2 Yrs Fixed - Citibank
![](https://files.ozbargain.com.au/g/20.jpg)
hello, it means that the lender has the right to change the rates of their products when they need to. This is the same with every bank in…
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JohnKKMK replied to
ragnaboy2010 on Up to $6,000 Cashback for Refinance & Purchases + Rates from 1.89% 2 Yrs Fixed - Citibank
![](https://files.ozbargain.com.au/g/20.jpg)
yes, it's one cashback per customer
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JohnKKMK replied to
wolvesaussie on Up to $6,000 Cashback for Refinance & Purchases + Rates from 1.89% 2 Yrs Fixed - Citibank
![](https://files.ozbargain.com.au/g/20.jpg)
yes, there is variable rate product with an offset account
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
moocher on Up to $6,000 Cashback for Refinance & Purchases + Rates from 1.89% 2 Yrs Fixed - Citibank
![](https://files.ozbargain.com.au/u/98/45898-20.jpg?h=3d172c0f)
thank you. I've updated accessability to public, please let me know if it still doesn't work
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK posted a deal Up to $6,000 Cashback for Refinance & Purchases + Rates from 1.89% 2 Yrs Fixed - Citibank
**Please note: Citibank has confirmed their 2, 3, 5 yrs fixed rates are increasing from 1/11/2021, applications must submitted by…
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
tg on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/u/22/12222-20.jpg?h=826887c1)
sorry for the late reply. they are not as strict with DTI if deal makes sense and serviceability is strong. but typically once it goes…
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
Duram on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
there's only a few in the market that's great with cash out policy. citi is one of them.
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
vegemite2008 on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
if the jobkeeper doesn't show on the payslip, it should be fine, but if it does, then it will reduce income used for servicing.
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
solar eclipse on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
Hi, every bank has different requirements on this. They look at prior experience, how long you have been with current employer, and usually…
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JohnKKMK replied to
colinjames on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
Hi Colin, our google business page has been going since July 2018 under the previous brand. Google business page can be simply updated with…
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
ShanghaiRocks on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
Hi there, yes that structure is possible thanks
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
amsaini15 on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
Hi 1. the initial fee is as you've pointed out. 2. discharge is $350 per loan thanks
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
Fordboy351 on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
I'm sorry to hear that. sounds like an awful experience. fortunately none of my clients have experienced anything negative so far. But…
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JohnKKMK replied to
dsar on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
good thank you. sorry who is this? hard to tell by ID.
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
gsxr600rr on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
Hi there, unfortunately the break fee is charged by your existing bank, not the new lender so this is something you will have to talk to…
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
colinjames on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
Hi Colin, great attention to detail! Our business rebranded back in July/August from a franchise brand to our own brand. Our company ABN…
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JohnKKMK replied to
ksun1985 on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
hi, cashout is possible with citibank, but if you are asking for a 350k for a reno, they will question in depth breakdown of the use of…
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JohnKKMK replied to
stockastics on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
hi, it's per application, thanks
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
Jewdas90 on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/u/81/247081-20.jpg?h=55258f1f)
Hi, with package $250 upfront, and $350 annual. with non-packaged, $649 upfront and $8/month.
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JohnKKMK replied to
DingoBlue on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/u/25/370325-20.jpg?h=01908b84)
yes, possible with Citibank as long as there is a reasonable explanation
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
Besean on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
unfortunately not sorry
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JohnKKMK replied to
SmiTTy on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
I can't tell who you are by your ID but thank you very much for the kind feedback.
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JohnKKMK replied to
jace88 on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/u/70/61870-20.jpg?h=119fc2ed)
unfotunately it has to be new loan coming into Citi. thanks
![](https://files.ozbargain.com.au/g/38.jpg)
JohnKKMK replied to
pHyR3 on 1.99% @ 2 Yrs Fixed + $4k Cashback Citibank Offer for Refinances OR Purchases
![](https://files.ozbargain.com.au/g/20.jpg)
apologies, that has been corrected
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