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1318 posts

Uber Geek
+1 received by user: 276

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  Reply # 1354276 29-Jul-2015 11:34 Send private message

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

12444 posts

Uber Geek
+1 received by user: 1987

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Subscriber

  Reply # 1354281 29-Jul-2015 11:38 Send private message

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


How'd you get to that level?




AWS Certified Solution Architect Professional, Sysop Administrator Associate, and Developer Associate
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56 posts

Master Geek
+1 received by user: 1


  Reply # 1354284 29-Jul-2015 11:41 Send private message

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

1318 posts

Uber Geek
+1 received by user: 276

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  Reply # 1354436 29-Jul-2015 14:25 Send private message

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.



783 posts

Ultimate Geek
+1 received by user: 78

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  Reply # 1354702 29-Jul-2015 17:40 Send private message

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%




219 posts

Master Geek
+1 received by user: 50


  Reply # 1355043 30-Jul-2015 09:04 One person supports this post Send private message

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


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

83 posts

Master Geek
+1 received by user: 3


  Reply # 1365524 13-Aug-2015 12:41 Send private message

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

147 posts

Master Geek
+1 received by user: 2


  Reply # 1365526 13-Aug-2015 12:44 Send private message

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?

83 posts

Master Geek
+1 received by user: 3


  Reply # 1365534 13-Aug-2015 12:57 Send private message

 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

16182 posts

Uber Geek
+1 received by user: 1867

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  Reply # 1365560 13-Aug-2015 13:42 Send private message

floating at 4.99? !!!



783 posts

Ultimate Geek
+1 received by user: 78

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  Reply # 1365581 13-Aug-2015 14:09 Send private message

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...




4904 posts

Uber Geek
+1 received by user: 1307

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Microsoft

  Reply # 1365600 13-Aug-2015 14:31 Send private message

4.99 floating seems like an OK deal

83 posts

Master Geek
+1 received by user: 3


  Reply # 1365606 13-Aug-2015 14:36 Send private message

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

83 posts

Master Geek
+1 received by user: 3


  Reply # 1365610 13-Aug-2015 14:37 Send private message

joker97: floating at 4.99? !!!


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

4904 posts

Uber Geek
+1 received by user: 1307

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Microsoft

  Reply # 1365611 13-Aug-2015 14:37 Send private message

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

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