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783 posts

Ultimate Geek
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Topic # 175323 25-Jun-2015 09:31 Send private message

Morning all.

Anyone got lower than 4.89% for 2yrs and $5k cash back?
If so, let me know...need to finalise things by tomorrow.

...."well jimmy got 4.89%, i want 4.89%...."




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363 posts

Ultimate Geek
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  Reply # 1331151 25-Jun-2015 09:38 One person supports this post Send private message

That's pretty sweet. I'd take it!

Fully Operational
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Uber Geek
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Vocus
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  Reply # 1331163 25-Jun-2015 09:43 Send private message

That's a good deal.  Kiwibank?



783 posts

Ultimate Geek
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  Reply # 1331164 25-Jun-2015 09:44 Send private message

Can always do with lower...






783 posts

Ultimate Geek
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  Reply # 1331165 25-Jun-2015 09:44 Send private message

ubergeeknz: That's a good deal.  Kiwibank?


Hahaha def not kiwibank,they are useless!!!!


Edit...ASB




1314 posts

Uber Geek
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  Reply # 1331167 25-Jun-2015 09:50 Send private message

Lowest I got having just refixed with ASB was 4.95% 12 months (4.99 for 6mnth or 2 yrs).  Not really any less than their advertised rates, should've switched banks for the $5k bonus!

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  Reply # 1331168 25-Jun-2015 09:50 Send private message

BinaryLimited:
ubergeeknz: That's a good deal.  Kiwibank?


Hahaha def not kiwibank,they are useless!!!!
ANZ


Really? That's interesting because I know several people who are switching from ANZ to Kiwibank for the same kind of deal, which ANZ won't match.

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Uber Geek
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  Reply # 1331171 25-Jun-2015 09:57 Send private message

It all depends on who you talk to and whether they are prepared to push past their limits and seek approval for a lower rate/better deal. 

They don't like to make waves, generally speaking, unless they are getting good business. 




Handsome Dan Has Spoken.



783 posts

Ultimate Geek
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  Reply # 1331173 25-Jun-2015 09:58 Send private message

ubergeeknz:
BinaryLimited:
ubergeeknz: That's a good deal.  Kiwibank?


Hahaha def not kiwibank,they are useless!!!!
ANZ


Really? That's interesting because I know several people who are switching from ANZ to Kiwibank for the same kind of deal, which ANZ won't match.


Sorry, i meant ASB....we just left ANZ after 5+ years ....the amount of break fees we've paid in 4 years to them is sickening.

Kiwibank, i cant do business with them,its too frustrating!

sovereign(asb) and sbs are normally good tho!






783 posts

Ultimate Geek
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  Reply # 1331176 25-Jun-2015 10:01 Send private message

Handsomedan: It all depends on who you talk to and whether they are prepared to push past their limits and seek approval for a lower rate/better deal. 

They don't like to make waves, generally speaking, unless they are getting good business. 


Guess thats what the mortgage broker is for...






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Ultimate Geek
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  Reply # 1331178 25-Jun-2015 10:05 Send private message

Scary.... " Mortgage rates peaked at 20.5% in June 1987."
http://www.rbnz.govt.nz/statistics/key_graphs/mortgage_rates/




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Uber Geek
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  Reply # 1331205 25-Jun-2015 10:27 Send private message

I got 4.99% fixed for 2 years with ASB and i was already locked into a 3 year fixed rate of 5.65% with 2 and 1/2 years to go.

no break fee or anything, they just swapped me over.

Very happy with ASB.



783 posts

Ultimate Geek
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  Reply # 1331209 25-Jun-2015 10:30 Send private message

simon14: I got 4.99% fixed for 2 years with ASB and i was already locked into a 3 year fixed rate of 5.65% with 2 and 1/2 years to go.

no break fee or anything, they just swapped me over.

Very happy with ASB.


Nice! Yeah asb seem like the way to go!




300 posts

Ultimate Geek
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  Reply # 1331257 25-Jun-2015 11:12 Send private message

simon14: I got 4.99% fixed for 2 years with ASB and i was already locked into a 3 year fixed rate of 5.65% with 2 and 1/2 years to go.

no break fee or anything, they just swapped me over.

Very happy with ASB.


Nice. In a very similar position. Off to crunch some numbers :-)

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  Reply # 1331259 25-Jun-2015 11:16 Send private message

BinaryLimited:
Handsomedan: It all depends on who you talk to and whether they are prepared to push past their limits and seek approval for a lower rate/better deal. 

They don't like to make waves, generally speaking, unless they are getting good business. 


Guess thats what the mortgage broker is for...

Absolutely - and it's the reason that they still exist...they can take a lot of the frustration out of getting your mortgage fixed at the right rate, by the right provider. 






Handsome Dan Has Spoken.

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  Reply # 1331307 25-Jun-2015 12:30 Send private message

simon14: I got 4.99% fixed for 2 years with ASB and i was already locked into a 3 year fixed rate of 5.65% with 2 and 1/2 years to go.

no break fee or anything, they just swapped me over.

Very happy with ASB.

Ditto. Also, contemplating switching a couple of 5.95% tranches for very reasonable ERA fees.

Rates can't drop much below 4.99%, can they?

I guess I should be pushing for 4.89% but I don't think the bank will feel that my business is worth buying. Worth giving it a go though.

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