Search results

Bump. Now the majors have 5 year rates under 5%

Its a great rate, but are you sure enough of your circumstances to lock in that far ahead?

You can request anything you like. Most lenders would consider such a request however they might delve quite deeply into the proposed purchase and seek to control the funds for it.

yup, every year leading up to tax time

ANZ announce interest rate changes on a friday arvo for the following monday usually, (in the case of fixed, when they reduce variable, it could be weeks later). Take the rate lock forms, and be ready to lodge them on such a friday, if its worth it.....

Why wouldnt I be correct? odd....

2 yr fixed rate, up 30 points.....

westpac increases 2 yr fixed rate..... Interesting times.

No, and remember last time Westpac hit this low? None of the other lenders matched it.

not necessarily. Some lenders have DUA over certain things, where the mortgage insurer takes the lenders policy instead of their own. 80% LVR is just the point where most lenders pass on the cost of LMI to the borrower. loans under 80% may or may not be mortgage insured, and may or may...

Delegated Underwriting Authority. Not every deal goes before the the mortgage insurer as well as the assessor.

ME 3yrs, 4.99%. My call we wouldnt see 3yr rates lower than last cycle is looking shaky.....

Smells like Rams low doc, or an old full doc product. Get a payout figure from Rams and ask them if they will match your offered rate. If it is a low doc loan, and you cant now provide financials, you might not be getting a new loan at all.....

ahhh, yup, Id say you got buckleys, unless you have a bunch of other lower LVR loans with the same lender. You might have a chance with one of the big four if you switch to their pro pack and pay $400 per year. Most then discount fixed rates .15% or so off their advertised rate.

Im far from a finance guru, this is just my gut instinct, and Im happy to be proved wrong, BUT, I reckon we have seen the best 3 yr fixed rate for the time being (the next 2 or 3 years) and 3 yr fixed rates will stay about the sameish and or start to climb from this point on. I dont think we...

Im calling it, that was the low point for 3 year fixed rates.

call the call centre and get it confirmed. Lending officers are there because they look confident and busy, otherwise noo one would trust them. thats what banking is all about. It wouldnt be the first time a lending officer gets it wrong. It may also be something quite diferent they are...

just split off a variable portion and offset that, and have the rest fixed. under breakfree theres no cost for this set up. You can then have the other, non offset portion fixed for however long you like.

from memory, there was one sub 5% fixed rate for about 3 months. 4.99% fixed for 3 years on the pro pack. the variable rate at the time discounted to 4.75ish....

.01? pretty crappy discount