You never know if you don't ask
you can take that all the way to the bank.
ta
rolf
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You never know if you don't ask
Just an update.
my total variable portion with CBA was little over 800k (multiple existing properties and some top ups)
I asked my Broker to try to get 4.80% (from 4.90)
next day my broker came back say CBA agreed to this.
wasn't much of haggle really
so go get em tiger..
I was in the the same boat early last year(over $1m and CBA wouldn't budge) therefore I decided to lock some portion 3yrs fixed to minimize risk.
Now with total variable loan reduced under $1m, CBA agreed to an additional 0.1 discount...
I think it's a matter of timing. The majors are competing aggressively in Jan/Feb for variable rate market share. You probably wouldn't have gotten the additional discount in Oct/Nov last year. That's just my opinion.
Am I able to put in pricing request for increased discount for my existing loans and the coming loan when I am in the middle of buying a house (should settle this week or next week), or do I have to wait till I settle?
Cheers guys.
CBA's getting a little hungry again.
Some of the other banks are also willing to negotiate. $840k 4.79%.
Just been able to get some really good pricing for CBA.
SVR 4.78% ~$1.1M which included ~$200k new borrowings.
Also on a seperate quick note, CBA fixed rates for 2 & 3 year have come down slightly. Now 2YR 4.84% & 3YR 5.09%
Also on a seperate quick note, CBA fixed rates for 2 & 3 year have come down slightly. Now 2YR 4.84% & 3YR 5.09%
0_o Lucky I didn't fix it yesterday!
I wonder if that's a sign of things to come in the industry or if that's a tactical move by CBA to grab market share at expense of margins.
Hopefully there is some more movement down come next month when I have a small loan coming off 2YR Fixed @ 5.8%
Just an update.
my total variable portion with CBA was little over 800k (multiple existing properties and some top ups)
I asked my Broker to try to get 4.80% (from 4.90)
next day my broker came back say CBA agreed to this.
wasn't much of haggle really
so go get em tiger..