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Type: Posts; User: Scott Miller

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  1. Replies
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    It largely depends on the loan size. The threat...

    It largely depends on the loan size. The threat of leaving because you are not getting what you want does not have the same weight it once had unfortunately.
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    All banks have time limits on their cashback...

    All banks have time limits on their cashback offers, however cashbacks are generally only paid for new lending, so reading into your question it looks like you are looking to re-fix with the same...
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    How big is your mortgage?

    How big is your mortgage?
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    Being a broker it's no surprise I would prefer...

    Being a broker it's no surprise I would prefer people to use a broker.

    The difficulty is once a person's story is told to a lender it is almost impossible to re-tell it, even if it is simply a...
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    Just to show how keen lenders are to keep...

    Just to show how keen lenders are to keep existing customers.

    I had a client who just wanted to break his existing loan in order to take advantages of the lower interest rates being offered (and...
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    Even if a bank hasn't dropped it's official...

    Even if a bank hasn't dropped it's official carded interest rate, it will always try to match another lenders rate behind the scenes.
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    Hi Bluekiwi, Without knowing a little more...

    Hi Bluekiwi,

    Without knowing a little more about your personal situation it is hard to say. But let's just say the bigger the loan, usually the bigger the welcome package.

    Feel free to contact...
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    I have just had a customer so happy with the...

    I have just had a customer so happy with the refinance offer I has secured for him and his wife that he sung a jingle as he left the office!!!

    I refinanced this customer from his existing lender...
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    If you decide to stay on floating keep your eyes...

    If you decide to stay on floating keep your eyes on the longer term fixed rates (2,3,4,5 years) as they can go up (or down) without movement of the OCR.
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    ANZ National less than 85% Kiwibank less than 70%

    ANZ National less than 85%
    Kiwibank less than 70%
  11. Replies
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    Plus their 18 month rate down to 5.89% from 5.99%.

    Plus their 18 month rate down to 5.89% from 5.99%.
  12. Replies
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    ANZ/National's response. Floating Interest...

    ANZ/National's response.



    Floating Interest Rate

    5.74% p.a.

    No change
  13. Replies
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    Although ANZ/National are matching the rates of...

    Although ANZ/National are matching the rates of other lenders their carded rates now look well out of kilter against their competition.

    http://www.interest.co.nz/borrowing/mortgages/
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    It pays to remember that all lenders will match...

    It pays to remember that all lenders will match their oppositions interest rate offers - if you are finding this not to be the case contact your mortgage broker.
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    4. What are your long term plans with the...

    4. What are your long term plans with the property? I.e are you going to hold onto it or sell once capital gain is realised.
  16. Have you any idea of what price range you are...

    Have you any idea of what price range you are looking to invest in?

    If so check out what kind of property you can purchase for that range (trademe is a good start), then take those findings to the...
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    All the other lenders are matching each others...

    All the other lenders are matching each others moves. I.e.- Kiwibank's 6 month rate is being matched by the other mainstreams.

    These moves are immediate, however they are not always advertised.
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    Have you considered the Welcome Home Loan (WHL)...

    Have you considered the Welcome Home Loan (WHL) option? It's a great tool to use as a leg-up onto the property ladder. The problem is you can only use it once and is meant for those purchasing their...
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    ASB & Sovereign come out to play!

    Hi All,

    I have received emails today confirming ASB and Sovereign are relaxing their existing LVR levels and are now open for business up to 90%.

    This is great news - it not only awakens two...
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    Same, same. The benefit of using AMP is you get...

    Same, same. The benefit of using AMP is you get the services of a broker to help you with your application.
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    Hi Brokerman, I have had recent success with...

    Hi Brokerman,

    I have had recent success with 95% through AMP. As you say it can be a waiting game.
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    Foss - Do you have a appropriate email address so...

    Foss - Do you have a appropriate email address so people who wish to can voice their concerns?
  23. And they are of course only one persons opinion -...

    And they are of course only one persons opinion - all be it an educated opinion apparently!! :)
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    PM me if you like as I have had 100% success at...

    PM me if you like as I have had 100% success at talking the lender around this policy.
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    PM me the figures and I will work through them...

    PM me the figures and I will work through them for you.
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