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BinaryLimited

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#175323 25-Jun-2015 09:31
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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
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That's pretty sweet. I'd take it!



ubergeeknz
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  #1331163 25-Jun-2015 09:43
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That's a good deal.  Kiwibank?

BinaryLimited

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  #1331164 25-Jun-2015 09:44
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BinaryLimited

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  #1331165 25-Jun-2015 09:44
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ubergeeknz: That's a good deal.  Kiwibank?


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


Edit...ASB




jonb
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  #1331167 25-Jun-2015 09:50
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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
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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
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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.
Handsome Dan needs to stop adding three dots to every sentence...

 

Handsome Dan does not currently have a side hustle as the mascot for Yale 

 

 

 

*Gladly accepting donations...


 
 
 

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BinaryLimited

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  #1331173 25-Jun-2015 09:58
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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!




BinaryLimited

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  #1331176 25-Jun-2015 10:01
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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...




BinaryLimited

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  #1331178 25-Jun-2015 10:05
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Scary.... " Mortgage rates peaked at 20.5% in June 1987."
http://www.rbnz.govt.nz/statistics/key_graphs/mortgage_rates/




simon14
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  #1331205 25-Jun-2015 10:27
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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
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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!




huckster
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  #1331257 25-Jun-2015 11:12
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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
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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.
Handsome Dan needs to stop adding three dots to every sentence...

 

Handsome Dan does not currently have a side hustle as the mascot for Yale 

 

 

 

*Gladly accepting donations...


bazzer
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  #1331307 25-Jun-2015 12:30
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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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