3 & 5 year fixed rates thread

[soyabean]

What's/who at NAB is the equivalence of the Mortgage Retention Manager, would anyone know ? I would like to contact such a person at NAB.

I was ready to walk once and at the last minutes NAB offered a very good deal. If I have to go through another similar excercise again I won't stay even if NAB has a better offer.

Thanks.

 

[Rolf Latham]

What's/who at NAB is the equivalence of the Mortgage Retention Manager, would anyone know ? I would like to contact such a person at NAB.

I was ready to walk once and at the last minutes NAB offered a very good deal. If I have to go through another similar excercise again I won't stay even if NAB has a better offer.

Thanks.

Send a mortgage discharge to the discharges for all ur places: ) and tell em u are refinancing to wesuck


takes about 38 seconds forthem to pickup the phone

ta
rolf

 

[h8dk97]

Is it a good time to fix now or would it be better wait a few months? Just curious what people think. I wanted to fix for 5 years but don't see any good options at the moment. Thanks.

 

[Rixter]

Is it a good time to fix now or would it be better wait a few months? Just curious what people think.

Read this thread, the answer to your question is in it.

I wanted to fix for 5 years but don't see any good options at the moment. Thanks.

What are you looking for?

 

[h8dk97]

Is it a good time to fix now or would it be better wait a few months? Just curious what people think.

Read this thread, the answer to your question is in it.




What are you looking for?

I'm looking for fixing for 5 years at about 5.5%, I've done it a while ago and wouldn't mind doing it again.

 

[Rixter]

I'm looking for fixing for 5 years at about 5.5%, I've done it a while ago and wouldn't mind doing it again.

That was an extremely good rate for 5 years.

How long ago did you secure it and from which lender?

 

[h8dk97]

That was an extremely good rate for 5 years.

How long ago did you secure it and from which lender?

That was in 2003 I think, it wasn't the official rate I had to negotiate it with CBA.

 

[Shadow]

Is it a good time to fix now or would it be better wait a few months? Just curious what people think.

I'm looking for fixing for 5 years at about 5.5%, I've done it a while ago and wouldn't mind doing it again.

I just locked in a chunk of my debt with Westpac at 5.59% for 3 years.

But Westpac will do 5 years at 5.99%, which is also tempting for the remainder.

 

[JIT]

5.59% seems to be the magic number!

 

[Rixter]

5.59% seems to be the magic number!

It works for me

 

[Rixter]

Yeah Bman...WBC is 5.69 after pro pack discount.

 

[D_One]

I am struggling to calculate whether having an offset with fixed rate is worth it. For ease of calculation, say you have $100k in offset. On CBA fixed rate with package, the 2 year fixed rate is 5.59%. It is partial offset of 1.5%. Does that mean that with $100k in offset, you are only saving yourself $1500pa? or is the offset 5.59%-1.5% making it a savings of $4090pa?

 

[tobe]

its partial, that is 1.5%. either chuck your money in a term deposit, in redraw on the fixed rate (knowing you cant redraw it during the fixed rate period) or find a lender that offsets 100% of their fixed rate loan.

 

[INVSTOR]

I just got offered 5.5% fixed 3 years by BOQ.

 

[Rixter]

I just got offered 5.5% fixed 3 years by BOQ.

Very nice.....are you taking it up?

 

[INVSTOR]

I'm still deciding what I'm doing, I need to work out break fees, etc.

 

[soyabean]

Hi all,
Just report back that I have 5.55% 3 years from NAB. But this is just equal to what BOQ is currently offering to everyone.
Regards,

 

[Shahin_Afarin]

For LVR's below 75% Advantedge is offering 5.44% if you fix up to 50% of your loans.

 

[noisuf]

5.59% a couple of weeks ago sounded like a good deal.

With markets factoring another one or two rate cuts before year end, is 5.59 something you would still jump on if your variable is 5.86?

 

[schebib]

Commonwealth Bank will cut interest rates by up to 0.4 percentage points on new one, three, four and five-year fixed-rate home loans. The new interest rates will be available to new customers, or customers looking to switch from variable to fixed rate home loans from Friday, September 7.