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  Reply # 2094980 22-Sep-2018 16:23
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Nah, our mortgage is down to about $160k, though as we're looking for an investment property to buy I certainly hope rates like 3.99% continue!

 

You can always try playing your bank off against offers from other banks, though a difference of .1% isn't a huge amount...


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  Reply # 2095002 22-Sep-2018 18:34
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It's quite easy to ask your bank to match other banks offers i have found. As long as you're not tied down to any terms which it sounds like you're not.

in fact in my experience when i ask to match the banker says he can do better! Must be some big margins they have. @£&*#!

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  Reply # 2095016 22-Sep-2018 19:40
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Batman: It's quite easy to ask your bank to match other banks offers i have found. As long as you're not tied down to any terms which it sounds like you're not.

in fact in my experience when i ask to match the banker says he can do better! Must be some big margins they have. @£&*#!

 

Its like many industries, Telco's and power companies being obvious examples. When they offer big benefits, everyone pays.

 

Its a funny old time. I could change telco's and get a fat credit, then change power provers and get the same. All you other losers are paying! :-) 




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  Reply # 2095053 23-Sep-2018 06:23
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In my case, my cashback was $3500, not really a couple of thousands as I thought, so even only paying portion of that amount back (a third for example), I need get a rate around 3.76% to start break even, if rely on better rate alone. But of course there is always possibility of another cashback offer for another 3k.

 

Is bank hopping going to affect my credit rating or something?


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  Reply # 2095280 24-Sep-2018 00:12
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tdgeek:

 

Batman: It's quite easy to ask your bank to match other banks offers i have found. As long as you're not tied down to any terms which it sounds like you're not.

in fact in my experience when i ask to match the banker says he can do better! Must be some big margins they have. @£&*#!

 

Its like many industries, Telco's and power companies being obvious examples. When they offer big benefits, everyone pays.

 

Its a funny old time. I could change telco's and get a fat credit, then change power provers and get the same. All you other losers are paying! :-) 

 

 

 

 

It is nuts. Basically people who are loyal to a brand get penalised by not getting the deals, when it should be the other way around.  There is almost no customer appreciation these days by companies for remaining loyal. Companies though will argue that these deals come out of their 'marketing budget' to get new customers. 


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