Lowest mortgage rate??? Dont be shy!

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BinaryLimited

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#175323 25-Jun-2015 09:31

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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#1331151 25-Jun-2015 09:38

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

ubergeeknz

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#1331163 25-Jun-2015 09:43

That's a good deal. Kiwibank?

BinaryLimited

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#1331164 25-Jun-2015 09:44

Can always do with lower...

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BinaryLimited

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#1331165 25-Jun-2015 09:44

ubergeeknz: That's a good deal. Kiwibank?

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

Edit...ASB

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jonb

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#1331167 25-Jun-2015 09:50

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!

ubergeeknz

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#1331168 25-Jun-2015 09:50

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.

Handsomedan

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#1331171 25-Jun-2015 09:57

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.

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BinaryLimited

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#1331173 25-Jun-2015 09:58

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!

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BinaryLimited

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#1331176 25-Jun-2015 10:01

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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BinaryLimited

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#1331178 25-Jun-2015 10:05

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

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simon14

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#1331205 25-Jun-2015 10:27

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.

BinaryLimited

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#1331209 25-Jun-2015 10:30

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!

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huckster

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#1331257 25-Jun-2015 11:12

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 :-)

Handsomedan

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#1331259 25-Jun-2015 11:16

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.

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bazzer

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#1331307 25-Jun-2015 12:30

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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