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Whats your home loan interest rate


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#31 beccabond183

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Posted 11 November 2008 - 10:46 AM

Same here! Although I think ours is now 7.08%
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#32 Jek83

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Posted 14 November 2008 - 05:56 AM

We fixed at 60% of our loan at 8.5% earlier this year for 5 years - I feel sick thinking about it. For the amount CBA are now charging to get out of it, we are just going to wait it out.

#33 Ronniebear

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Posted 14 November 2008 - 06:37 AM

ours is 7.04% smile.gif
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#34 *****030812

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Posted 27 November 2008 - 07:08 PM

As of 17/11/08 ours is 6.73%

#35 mrs_mallie

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Posted 27 November 2008 - 09:09 PM

as above biggrin.gif
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#36 Mumma08

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Posted 28 November 2008 - 04:11 AM

6.79% Woohoo!!!! biggrin.gif biggrin.gif

#37 Christian Troy

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Posted 28 November 2008 - 11:21 AM

geez, who are you girls with, that is a good rate

#38 mrs_mallie

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Posted 29 November 2008 - 09:39 AM

b@nkwest rate tracker
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#39 *****030812

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Posted 29 November 2008 - 11:55 AM

QUOTE(mrs_mallie @ Nov 29 2008, 09:39 AM) View Post
b@nkwest rate tracker


ditto! biggrin.gif


hubby was just telling his mate this morning, when he saw the mortgage broker only a few months ago when we were refinancing. She was trying to talk us into a fixed rate.

Hubby told her, no, I believe the next change will be an increase and then it will be all down hill from there.

A friend was talking this mornign saying he heard the next cut could be 1.25 ?


#40 karry327

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Posted 29 November 2008 - 01:46 PM

QUOTE(Vaalentine @ Oct 23 2008, 12:08 PM) View Post

If I were to refinance, it makes me want to change banks altogether if I would still have to pay economic cost with the same bank. As if they don't get enough money out of us!! mad.gif


You'll find that if you fix your rate and ever want to break the contract, there will always be an exit fee based on a percentage of your time remaining in the contract - regardless of whether you stay with that lender or not. Bugger the original guy told you otherwise but it would definitely be written into your contract.

We had fixed our loans for 4 years previously at 6.65% and the period ended December last year, meaning that our rate went up to 7.99% - that's an extra $800 per month we had to find with me now working part time and with a baby! ohmy.gif We nearly died. Anyway, we had to fix for as long as we could because there's no way we could have afforded another increase no matter how slight. We fixed for 5 years (knowing we'd want to have more kids - therefore me needing extra time off work and also knowing that rates would continue going up) and 1 year on, here we are, they're on their way down. Hindsight is such a lovely thing.

#41 *****030812

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Posted 22 December 2008 - 10:04 AM

Ours is now 5.82%

#42 Chr!st!ne

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Posted 22 December 2008 - 01:17 PM

wow, amy thats amazing!

ours is currently 6.28% and is lower than when we got our home loan 5 years ago biggrin.gif

#43 Christian Troy

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Posted 22 December 2008 - 01:30 PM

Ours is 6.04%

#44 pinkbutterfly

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Posted 22 December 2008 - 02:24 PM

QUOTE(¤Amy¤ @ Dec 22 2008, 11:04 AM) View Post

Ours is now 5.82%

Holy Moly! Who's that with?

Ours was 7.68% before the latest cut. Our lender is pretty slow about advising of changes.
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#45 Flippergal

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Posted 22 December 2008 - 05:47 PM

It is currently 6.27% but we are paying it like it is 8.94% (what it was when we made our first mortgage payment). It's the amount we are currently budgeted for, and since we are paying more than we need to, heaps more is coming off the principle and thus saving us time and interest at the other end of the loan biggrin.gif
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