Lowest mortgage rate??? Dont be shy!

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#1354276 29-Jul-2015 11:34

I'm on 0.7 discount on floating rate with ASB.

timmmay

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#1354281 29-Jul-2015 11:38

jonb: I'm on 0.7 discount on floating rate with ASB.

How'd you get to that level?

Wyvern

91 posts

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#1354284 29-Jul-2015 11:41

wow 0.7%. Thanks for the reply. How did you get that? Any tips I might be able to garner?

jonb

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#1354436 29-Jul-2015 14:25

Correction, was offered 0.6 basis points discount earlier this month, that seemed to be their standard offer when asking if they could give a discount. I was on 0.7 discount for 2yrs before that though. In the end I went for 1yr fixed at 4.95% instead.

BinaryLimited

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#1354702 29-Jul-2015 17:40

jonb: I'm on 0.7 discount on floating rate with ASB.

Nice im on 0.8 recently...also with asb

They also now matched the bnz 4.69%

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Jeeves

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#1355043 30-Jul-2015 09:04

Wyvern: Kiwibank doesn't allow brokers so gonna have to do it myself.

Yes they do - I'm currently with Kiwibank, via a broker.

razor2000nz

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#1365524 13-Aug-2015 12:41

just fixed 1 part of mortgage@ 4.5% for 1 year, and floated the rest @ 4.99% plus got 2k to stay with current bank

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ankit816

147 posts

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#1365526 13-Aug-2015 12:44

razor2000nz: just fixed 1 part of mortgage@ 4.5% for 1 year, and floated the rest @ 4.99% plus got 2k to stay with current bank

was that through a mortgage broker or direct negotiation with the bank?

razor2000nz

219 posts

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#1365534 13-Aug-2015 12:57

was that through a mortgage broker or direct negotiation with the bank?

started out with broker, didn't like the offers he came back to us with (which were from our current bank and competitors) so emailed our banking manager directly, she came back with the offer we agreed on within 3 days

Batman

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#1365560 13-Aug-2015 13:42

floating at 4.99? !!!

BinaryLimited

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#1365581 13-Aug-2015 14:09

razor2000nz: just fixed 1 part of mortgage@ 4.5% for 1 year, and floated the rest @ 4.99% plus got 2k to stay with current bank

2k....banks can do better than that. Soverign offering 4k to stay....even 4k is a slap in the face...bank competition is rather strong these days...

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nathan

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#1365600 13-Aug-2015 14:31

4.99 floating seems like an OK deal

razor2000nz

219 posts

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#1365606 13-Aug-2015 14:36

BinaryLimited:
razor2000nz: just fixed 1 part of mortgage@ 4.5% for 1 year, and floated the rest @ 4.99% plus got 2k to stay with current bank

2k....banks can do better than that. Soverign offering 4k to stay....even 4k is a slap in the face...bank competition is rather strong these days...

yes they probably can, my mortgage is relatively small in the grand scheme of things. 2k is definitely better than 0k. have heard of people receiving 10k cash back on mortgages over 1 mill

razor2000nz

219 posts

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#1365610 13-Aug-2015 14:37

joker97: floating at 4.99? !!!

yeah, advertised rate was 5.99, so thought 4.99 was a good offer

nathan

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#1365611 13-Aug-2015 14:37

sounds about right, I got 5K on a 500K loan

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