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Who do you have a mortgage with?


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#16 CookiesandCream

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Posted 07 July 2013 - 08:55 PM

QUOTE(Amelia Jane @ Jul 6 2013, 10:20 PM) View Post

This is us too. wub.gif ING.


ING for us to, we only just refinanced about a month ago but they have been great so far.

Are you in Sydney? I can PM you the mortgage broker we used. She is independent and had a wide range of places for us to consider, once we picked out the banks we didn't want that were on her list (we didn't want big4) and told her any other requirement she came back to us with three different options and we picked the one we liked best.
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#17 greenwich

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Posted 08 July 2013 - 10:38 AM

QUOTE(aChocLover @ Jul 5 2013, 07:40 PM) View Post

We're with Sunc0rp.
We negotiated an additional .7% off our already .3% off their variable rate due to having a number of policies with them (mortgage, insurances etc).

TBH, we haven't really looked around so I don't know how we're doing comparatively nowadays.

We have 4 offset accounts so all our money is moved between those accounts and offsets the mortgage. We have a redraw facility if required etc. I like their policies for insurance and we've never had a drama with claiming etc, so for us, 'service' is also a key factor in us staying.

Pretty much this. Except I think we're at .9% off their standard variable. DH's work have recently been approached by the big 4 banks trying to get new business and our rate with Suncorp was competitive with them all. We have one of those $300 ish per year type package deals but it makes financial sense for us as it gives us an additional reduction in home loan rate and we don't have any account keeping fees on any of our accounts.

Also, changing banks is a PITA so the deal would want to be heaps better to win over my laziness!

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#18 ~steph~

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Posted 09 July 2013 - 12:26 PM

Thanks everyone for your replies.

Newcastle Perm was one we looked at a couple of years ago when we go really fed up with out of cycle interest rate rises that our bank was doing.

Cookes and Cream I will PM you.

My main issue with going to a broker is that we don't want to waste their time as we get an employee discount with a couple of banks which they can't organise and therefore would miss out on the commission.

I have written to our contact at our current bank to see if they will match the rate of where we are thinking of going, if they come back with a no then we will more than likely move.
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#19 ~steph~

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Posted 10 July 2013 - 08:57 PM

Ok I have another question. One of the places we are looking at does refinancing only, the don't do new loans. Their rate is really attractive biggrin.gif
If we went with them, then wanted another loan later for say a car or investment or something would we be able to go to a different bank (or my employer) and get a loan? I know it would probably count against us to have our business elsewhere, but would it really count against us or just a bit?
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#20 chelley

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Posted 11 July 2013 - 01:42 PM

We refinaced our mortage from a smaller credit union, through a broker, and ended up with Westpac. This was surprise to us but their professional package offered some great options for us and the flexibility and conditions around loan offers was enticing for us.
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