Night Wachman » user profile
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Member Since | 22/02/2022 |
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Last Seen | 03/10/2022 |
Location | Sydney |
Recent Activities
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Night Wachman replied to
ChmpgneTasteBeerBdgt on Get a $500 Digital Mastercard on A Home Loan @ Loans.com.au via One Big Switch
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I used to be with Loans.com as well, but the rates they were offering new customers were substantially lower than the rates they were…
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Night Wachman commented on Thoughts about Athena?
Here is another thread where similar issues were discussed https://www.ozbargain.com.au/node/700034
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Night Wachman commented on Thoughts about Athena?
That’s what I said. You just said the same thing I said but in a lot more words
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Night Wachman commented on Thoughts about Athena?
Been with Athena for 4 years and they are really good. Regarding the concern about your offset, there’s nothing to worry about. If they…
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Night Wachman replied to
BargainHunter350 on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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It doesn’t sound like it is worth it. You are paying $1500 extra per year essentially for a second offset. Why not use a savings account…
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Night Wachman replied to
BargainHunter350 on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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That’s a lot. Have you ever worked out how much difference that is per year in interest ?
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Night Wachman replied to
vince088 on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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Fair enough. My wife and I share a single offset but we don’t really use it as our day to day account. Although Athena has Osko, they…
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Night Wachman replied to
BargainHunter350 on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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What rate does BankWest give you?
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Night Wachman replied to
vince088 on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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Yes. But this is mainly intended to protect deposits (eg if you have a savings or term deposit). It is not as important when you have a loan
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Night Wachman replied to
Lucille Bluth on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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It is written into the loan contract with Athena. They can’t offer new customers something better than existing customers
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Night Wachman replied to
BargainHunter350 on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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What’s the advantage of having multiple offset accounts?
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Night Wachman replied to
vince088 on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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No, they don’t have the deposit guarantee because they are not an ADI. What happens to the money in your offset if they go bust is it…
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Night Wachman replied to
wisc on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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Don’t forget that UBank suck you in and then bumps you up after a little while.
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I've tried Youfoodz a few times. It is convenient having it in the fridge as a backup when you don't have time to prepare anything. It is…
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Night Wachman commented on DJI Mini 2 Drone Fly More Combo $819 Delivered or C&C @ Anaconda (Club Membership Required)
Does this drone come fitted with a camera?
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Night Wachman replied to
Cloudream on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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Nope as in you don't know. Or nope as in they don't do this?
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Night Wachman replied to
Tyrx on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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I don't think the return of interest rates to more normal levels (we need to remember that we are at unprecedented historic lows) is going…
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Night Wachman replied to
Cloudream on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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I have seen some reviews saying that the rates advertised on Homestar's website lure you in, then they raise your rates, but keep the rates…
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Night Wachman replied to
Tyrx on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
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Hi Tyrx, I was around when the GFC hit and I remember it clearly. Can you please point me to an example of where a lender drastically…
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Night Wachman commented on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
Whoever reported this thread as a duplicate, I just wanted to point out that the focus of the other thread is the fee free services of a…
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Night Wachman commented on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
Banks are always quick to pass on interest rate rises, and slow to pass on cuts. Everyone knows that. I don't see Athena jacking up their…
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Night Wachman commented on Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
Hi Tryx The GFC was caused by irresponsible lending. US lenders were lending people with no job and no assets money that they could not…
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Night Wachman posted a deal Owner Occupier Variable Home Loan 2.19% (60 - 70% LVR), 2.24% (70% - 80% LVR) @ Athena Home Loans
Athena Home Loans is now offering owner occupier home loans at the following rates: ['Celebrate' 2.14% (<60%…
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Night Wachman commented on Conveyancing for Refinancing
It is very easy to refinance. You don’t need a conveyancer. Who are you refinancing to?
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Night Wachman commented on Home Loan Athena OR tictoc
One problem with Tictoc is they charge $10 monthly fees whereas Athena has zero fees. $120 a year in fees adds up. I also don’t know…
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Night Wachman joined OzBargain.
Welcome aboard!