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Hiya Stock NAB dont do much discounting anyways..............eventually they even pay their brokers the commission they owe them...............on one loan we have been chasing for 15 mths :O) ta rolf

Hiya Saint I dont agree, in general, that price is the end yard stick (or KPI) of a service or product, for it it were, (a broker and lenders in general) would not be able to make a living and the Homepaths and the No frills securitised lenders would get 99 % of the business. Im happy to...

Hiya Saint Welcome .95 % off variable. Thats a good rate, but is not sustainable for any mainstream lender across all borrowings, whether branch or broker introduced. At that level the true ROI would be less than 10 %, not something the shareholders would like too much. Most of the larger...

Hi KPH beware of the chalice that sometimes hides gifts not expected :O) In German, the literal translation of gift is poison . Its not a bad set up, but dont get sucked in by the 1000. The product doesnt suit manu because it has no offset and then has some restrictions into moving...

Hi Candide I know you like your securitised product - too much perhaps :O) What I am reading is the "sales manual" of all the securitised funders and mortgage managers we work with. Securitised non bank lending has its place, but not where you can place that business with A grade...

Hi Sean The 6.55 finished some time ago, its now 6.79 I believe (lazy me) The CBA rate saver and the ABL fixed products cant be compared. You would use the rate saver where you DONT have a need to park deductible money against the loan. You would also use ABL product where you have...

Flexi Plus isnt very flex in rate we have found :O) ta rolf

attached ta rolf

mid 6s is achievable for 5s and around 6.45/6.5 for 3. Until recently there were some quote aggressive deals around like ABL for 6.55 fixed 5 years io with 100 % offset for 5 years - we did a fair bit of that. ta rolf

Homepath will do a nice low rate with minimal fees :O), but is rate truly all thats important ??? for if it is there are some really bog basic products out there offered by the mortgage managers................ but dont ask for things like Interest Only or extra repayments or heaven forbid...

Hiya Ian Thanks for the kind words Not much original comes out of my mouth or mind. Its mainly an eclectic mix of client exposure, many many self development seminars, and a bit of sales "street smarts", combined with many monthly book and cd series. Most of my stuff comes from...

Warning Carrots arent oranges even though they are the same colour. Pete's post was product specific, IE LOC. This one is could result in a a dogs breakfast basic loan with 2 % exit penalty being compared to a 100 % IO offset pro pack loan with no top up fees etc. While The ANZ...