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May be able to squeeze out another 5 bp, but not much more. I finally got a modelled estimate...tbh its a lottery at the moment, paramaters were very much the same as others that came back with kerbsides. Cheers, Redom

I'm getting this a lot too Colin - my last 5 in a row have all been kerbsides (1 requested for full). I was told the general rule is it'll go to a modelled estimate for securities <$1 mill at 80% and for properties <500k up to 90%. Hasn't been my experience through January. This is for...

Hmm generally i'd agree, but I think they've stepped it up recently. For recent deals, I've got around 1.10%, but at a higher LVR (88%) at around 550k. For 750k+ and under 1 mill, its about 1.16%, and 1.25% for 1.25mill plus. Can probably squeeze a little more for 1.75mill plus, but...

Also have you gone back to ANZ with the NAB offer? What price are you getting for each (rate), LVR and loan amount? Over the past 2 months, ANZ have matched all my NAB offers for bigger deals, sub 80%. Cheers, Redom

Could be worth considering beyond rate and look at your goals and whether having NAB up your sleeve will benefit you in 3-5 years. In terms of flexibility, pretty similar. I do find ANZ more flexible for cash outs + valuation models though, but both of which may be unnecessary (depending on...

Hmm that variation is quite small, have seen much bigger ones (200k+, 20% differences). If lenders allow OFI valuations, they expose themselves to different valuation models, less control, and hence more risk. It's not uncommon at all to pick a lender based on highest valuations. For those...

I personally haven't had a problem with this before - generally I find that they're better trained than some of the Telco's/utilities staff that have their call centres based there. But there's a thread here with others personal experiences if your looking for more info. In terms of service...