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Whats your home loan interest rate


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#61 bluenomi

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Posted 05 February 2010 - 07:24 AM

We are with ING and so far haven't had any dramas at all. We've got our loan split into 2 parts, part fixed and part variable. Our rate has always been good, it was certainly the best at the time we locked our fixed loan in and the variable is usually below the big banks.

With the variable we've gotten all rate cuts in full which is good but also gotten all the rises but that's fairly standard really.


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#62 *****030812

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Posted 16 July 2010 - 10:28 AM

so who is everyone with atm ?

Our bankwest rate is now 6.38%. But when our rate tracker period ends shortly it will be 7.18%.

Has anyone recently made the move away from Bankwest due to this ? if so, who did you go with. Our mortgage broker is looking at Suncorp atm. That is who we moved away from just under a year ago! laugh.gif (looking at moving too because our equity account is much higher and would be much lower with suncorp)

#63 ~ela~

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Posted 16 July 2010 - 10:46 AM

We are on variable with Bank of Queensland (was Home Building Society when we signed up 3.5 years ago). Currently 6.93%.

I have always just assumed our exit fees will be too high to move elsewhere, but now we have been off the fixed period for 10 months already (and had maybe 7/8 increases in that time) I should try and look at other banks and credit societies.

#64 beachgurl

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Posted 16 July 2010 - 11:23 AM

Suncorp currently has a honeymoon rate of 1.2% off the standard variable for the first 12 months, so a lot of brokers are steering their clients in that direction. Isn't a bad product with the professional pack fees being waived for the first year as well.

I've been placing a lot of my clients with Homeside recently. If your loan amount is less than 75% of the current value of your home, the interest rate is only 6.47% with a $10/month fee. This discounted variable rate is for the term of the loan, not a honeymoon rate.

Bankwest has a good discount on the first year but after that the fees to switch and the interest rates are a bit high so if you are sticking with them long term, the first year discount is not really worth it in my opinion.

another good procuct at the moment is AMP. The rate is 6.77% with no application fee or ongoing fees. comes with a free offset. Is a bit higher than some of the other discounted rates currently being promoted but not having to pay approx $300-$400 in fees per year makes it very competitive.

#65 *Lib**

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Posted 16 July 2010 - 11:24 AM

We are with Bendigo and we have just started with them, 2nd month, we have 6.95%.
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#66 Chucky!

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Posted 16 July 2010 - 08:51 PM

We are with Adelaide Bank which is essentially Bendigo

We are on a one year fixed rate of 6.55%p.a. (fixed at the end of our previous 3yr fixed rate of 7.29%)

While 1 year isn't long, it got us a rate lower than standard variable for the time that I was on unpaid leave and working 3 days/week.

#67 Cole29*

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Posted 16 July 2010 - 09:15 PM

We are currently fixed at 7.9% - we come off the fixed period in September and then we go to............9.22%. Not hard to see why we are NOT HAPPY JAN!!!!!!!!
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