They are probably an ex banker
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Perfect. I will ask my broker why we didn't take out an equity loan
Thankyou
Perfect. I will ask my broker why we didn't take out an equity loan
Thankyou
Am i missing something?
I will query this with them as I like to avoid xcoll if I can.
Re Ms Lomas, I saw that too and nearly fell of my chair and choked on my coffee all at once.
Both the book and the BA spruiked X Coll and how wonderful it is and how easy it makes investing..
How does one change brokers? Do i just send all my financials to broker 2 , start signing up new loans with broker 2 and the previous trailing commissions stay with the first broker?.
previous trailing commissions stay with the first broker?
The trails stop if the loan ends (eg if paid off or moved elsewhere)
The upfront also gets clawed back if the above happens within certain timeframes.
The trails stop if the loan ends (eg if paid off or moved elsewhere)
The upfront also gets clawed back if the above happens within certain timeframes.
Hey guys,
My loans (totaling 715k ish)are currently on 5.08% variable. I've been emailing the manager at westpac and I told her different lenders were offering lower rates, 4.6% etc, and she came back with this;
"Hi Daniel
I have looked at the advertised variable rates for Nab, CBA and ANZ and they are nowhere near 4.6%. All are over 5% for your level of borrowing.
To ensure I have investigated properly, I have also looked on Canstar rate comparison website and again there aren?t any offering a 4.6% variable rate. I have provided you a good discount on two of your existing loans which is well below the contracted interest rate that you signed. I think you may have been looking at rates for fixed interest. "
I'm not sure where to go with this.. and help would be appreciated!
Hey guys,
My loans (totaling 715k ish)are currently on 5.08% variable. I've been emailing the manager at westpac and I told her different lenders were offering lower rates, 4.6% etc, and she came back with this;
"Hi Daniel
I have looked at the advertised variable rates for Nab, CBA and ANZ and they are nowhere near 4.6%. All are over 5% for your level of borrowing.
To ensure I have investigated properly, I have also looked on Canstar rate comparison website and again there aren?t any offering a 4.6% variable rate. I have provided you a good discount on two of your existing loans which is well below the contracted interest rate that you signed. I think you may have been looking at rates for fixed interest. "
I'm not sure where to go with this.. and help would be appreciated!
I've got some fixed rates ending soon and enquired with my lender STG as to what rates I can expect both variable or fixed. I have some x col although if current valuations are done they would probably be able to be all standalone. Thye came back with 5.14% variable and their advertised 4.99 for 5 or 3 for 4.79. I have 1.3m with them so all you mortgage brokers out there whats my best option. I'm happy to split them between other banks if I can't get a better interest rate than that obviously