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  1. #11
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    We got a 'quote' thru a broker for 4.25% the other day, I'm going to call our current lender & see what they can do for us though :-)

  2. #12
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    Contact your own bank first and do your own research. All of the interest rates have just dropped, so you're probably eligible for a better rate without having to move everything (which can be a pain). I personally steer clear of brokers, they definitely don't always have the customers best interests at heart. A lot of people make the mistake of listening to the advice of a broker without doing their own research. Our friends recently settled a home loan with a broker getting the 'best deal', a quick search on bank websites showed they were in one of the highest rates available (yes I was taking into account their LVR, etc). The broker even admitted to them that they prefer to use this bank.

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    Apple iPhart6  (20-05-2015)

  4. #13
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    4.84% with suncorp. This thread has made me realise we really should look into trying to get something better

  5. #14
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    Quote Originally Posted by bigmummahen View Post
    Contact your own bank first and do your own research. All of the interest rates have just dropped, so you're probably eligible for a better rate without having to move everything (which can be a pain). I personally steer clear of brokers, they definitely don't always have the customers best interests at heart. A lot of people make the mistake of listening to the advice of a broker without doing their own research. Our friends recently settled a home loan with a broker getting the 'best deal', a quick search on bank websites showed they were in one of the highest rates available (yes I was taking into account their LVR, etc). The broker even admitted to them that they prefer to use this bank.

    They get commissions for referring to certain banks, you would imagine some are higher than others so of course they would choose that bank over another one, regardless of what's right for the customer. Why pay someone else something you can do for yourself?

  6. #15
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    Quote Originally Posted by Mum2b87 View Post
    They get commissions for referring to certain banks, you would imagine some are higher than others so of course they would choose that bank over another one, regardless of what's right for the customer. Why pay someone else something you can do for yourself?
    A good mortgage breaker will get you a deal that you can not get yourself.

  7. #16
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    I locked in with Rams last year for a 3 year rate of 4.99%. I thought it was great until reading this thread. Lol

  8. #17
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    4.53% comm bank - I'll be looking around

  9. #18
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    Default Fees?

    Annual fees? Package fees-like a cc included? Or transaction fees,?

  10. #19
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    Quote Originally Posted by BigRedV View Post
    If you call your bank they will reduce it if you tell them you are looking elsewhere
    Not always. I work for a big bank, even with staff discount I still got a better deal going with a competitor No loyalty boooo

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  12. #20
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    Our new mortgage is 4.68% and I thought that was good!


 

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