Current Home Loan interest rates

[MC1]

So you're saying that you received that rate on a loan under $500k and as you say it stands whether or not you borrow anymore, and its with one of the majors!

I call BS on your posts.

 

[FlatEarther]

So you're saying that you received that rate on a loan under $500k and as you say it stands whether or not you borrow anymore, and its with one of the majors!

I call BS on your posts.

Whatever. You're just wrong.

 

[MC1]

Whatever mate. You would have the best home loan rate in Australia with NAB for a sub $500k loan with no additional lending.

I can guarantee that nobody on this forum would have a better rate and nobody you know would have a better rate in the same situation.

This talk of you are low risk etc

Some people might believe your stories, but my thoughts still stand.

 

[kamchatsky]

I just talked to NAB directly, and the best they are offering me is 4.73%. So I guess 4.68% is not that far fetched. But probably go to St George as the broker actively engaged me on this and somehow my borrow capacity is a lot more at St George vs ANZ/NAB.

 

[maloo]

Are they crossed-collateralised?

No. All individual.

 

[Aaron_C]

Well if you can get 4.68% then all the more power to you. I never known banks to like losing money (esp NAB) but whatever. I've seen some NAB managers do some voodoo in my time so....

 

[delfredo]

I just talked to NAB directly, and the best they are offering me is 4.73%. So I guess 4.68% is not that far fetched. But probably go to St George as the broker actively engaged me on this and somehow my borrow capacity is a lot more at St George vs ANZ/NAB.

4.73% is a really good rate too! I wonder if NAB is getting desperate. But yes if I were you I'd go for the one with higher borrowing capacity too. And don't you get $1.2K bonus refinancing offer from SGB too?

 

[kamchatsky]

4.73% is a really good rate too! I wonder if NAB is getting desperate. But yes if I were you I'd go for the one with higher borrowing capacity too. And don't you get $1.2K bonus refinancing offer from SGB too?

Yes St George is offering me $1250 to move loans across to them. this is to pay for all the exit fees and all other fees associated with the moving of the loan.

 

[VaSSagO]

St George just changed mine to 4.79%

Still not quite 4.68%.

 

[Brady]

Was around Jan 2012 when mosts of the majors were offering >1% discount off the SVR. I remember as I know alot of customers who were luckly enough to price match this and still hold the discount now.

 

[Aaron_C]

1% discounts atm are quite common. I notice that even expensive Westpac has come to the party on this so watch this space.

 

[flosed]

Ok. To make it more interesting.

Today i am offered
4.55% variable rate with offset from macquarie bank for loan more than 750k.
Any commets for mac loan?
For staff btw.

 

[perthguy]

Ok. To make it more interesting.

Today i am offered
4.55% variable rate with offset from macquarie bank for loan more than 750k.
Any commets for mac loan?
For staff btw.

That's a good rate. Will the loan have an annual account management fee? If so, I would take that into account when doing any comparisons.

 

[D.T.]

Ok. To make it more interesting.

Today i am offered
4.55% variable rate with offset from macquarie bank for loan more than 750k.
Any commets for mac loan?
For staff btw.

I'd rather pay 10% elsewhere than being with the Big Mac.

 

[flosed]

I'd rather pay 10% elsewhere than being with the Big Mac.

Could u elaborate?

Yes annual fee 398. But other bank also charge this if u wanna more discount

 

[Rolf Latham]

Could u elaborate?

Yes annual fee 398. But other bank also charge this if u wanna more discount

Having a major liability to your employer is regarded by some as not ideal.

Ta

Rolf

 

[flosed]

Thanks.Is there any other concern ?
I happen to contract in mac bank now. Not exactly employee. But i can also apply for the discount. This is not a real issue.

Having a major liability to your employer is regarded by some as not ideal.

Ta

Rolf

 

[Colin Rice]

I think some people have phat fingers

 

[danielt]

great reading. can any lender get close to loans.com.au 4.49%?
Am with CBA (homepath from years ago) at 5.20% and 4.49% is compelling.

 

[delfredo]

St George just changed mine to 4.79%

Still not quite 4.68%.

At your request? How did you negotiate and what is your loan value/range?