I'm sure getting FF points outweigh the ability to screw your serviceability over
If 0.05% is going to screw your serviceability over, I think you're already in trouble.
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I'm sure getting FF points outweigh the ability to screw your serviceability over
If 0.05% is going to screw your serviceability over, I think you're already in trouble.
CBA automated pricing request would likely rtn 4.90 ,ie 100 pts off rack for a 720 global lend.
ta
rolf
Is that 100 points off outside of their wealth package charged at $395pa? Just preparing myself before I get to the bank this afternoon. Cheers.
With the Wealth package.
Damn. Ever heard of CBA waiving that fee? I suppose they have to make money somewhere, right?
They waived it for me a few years back (after having the package for many years). I just rang them up and asked and they did. I may have got them at a good time.Damn. Ever heard of CBA waiving that fee? I suppose they have to make money somewhere, right?
That said, I wouldn't recommend a lender on the basis of FF points. A 0.1% difference in rate is worth considering but the long term strategy is far more important.
All that said, I earn way more points every year on my credit card and I still never get round to a free flight or even lunch in the Qantas club.
I have a MB loan being refi'd currently by CJay. The loan was setup by another broker who was advised it was for a buy, reno, reval. He put it with MB who wont allow cash out above 80% without incredible pain. So I am now paying more LMI to take it elsewhere.
how could anyone seriously consider Macquarie? it was only a couple of years ago that they upped and left the market leaving anyone with a preapproval holding a worthless piece of paper. so they are back at it again hey.... here today gone tomorrow, ooh look they are back again
if you don't have a loan with the big 4 you are in a dangerous position, you need quick exit strategies and large servicing buffers as they can lift their rates willy nilly by 3%+ if they suddenly decide to sell up, or exit the market and milk all the stranded cows caught in the toppaddock for all they are worth - ask my mate that got stuck with rams ver. 2?? or 1, can't recall, whatever it was they went for the kill on the interest rate and if you didn't like it they took a piece of flesh on the exit fees