Whats your home loan interest rate
Posted 05 February 2010 - 07:24 AM
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.
Posted 16 July 2010 - 10:28 AM
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! (looking at moving too because our equity account is much higher and would be much lower with suncorp)
Posted 16 July 2010 - 10:46 AM
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.
Posted 16 July 2010 - 11:23 AM
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.
Posted 16 July 2010 - 11:24 AM
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Posted 16 July 2010 - 08:51 PM
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.
Posted 16 July 2010 - 09:15 PM
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