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Thread: Interest Rates

  1. #5781
    Join Date
    Sep 2004
    Location
    Hastings
    Posts
    14,745

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    Just waiting for credit card interest rates to follow the pattern and go from 21% to 12%.
    With all the Draconian new laws for residential rental LLs, perhaps AirBnB would be better? To avoid any hassle in Hawke's Bay, consult Be My Hostess. Want a great looking concrete swimming pool in Hawke's Bay? Designer Pools will do the job for you!

  2. #5782
    Join Date
    Apr 2004
    Posts
    740

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    Time for refinancing once again coming up ..Mid JULY fixed term ending ... going be interesting what ASB-ANZ-WP is offering looking to just re-fix once again am getting tempted by the offers of 4.39% 5yr by another bank recently esp if it comes with a large cash bonus $$$$$$

  3. #5783
    Join Date
    Apr 2004
    Posts
    740

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    ANZ have come back with a 3yr 3.89%(same for 1-2yr) + 3k Cash for 600k debt

  4. #5784
    Join Date
    Feb 2015
    Posts
    365

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    Quote Originally Posted by Perry View Post
    Just waiting for credit card interest rates to follow the pattern and go from 21% to 12%.

    Only fools [who can easily parted with money] pay interest on credit card

  5. #5785

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    Do the banks offer any cashbacks if you decide to stay with them with new fixed rates?

  6. #5786

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    Quote Originally Posted by StreetView View Post
    Do the banks offer any cashbacks if you decide to stay with them with new fixed rates?
    Everything is up for negotiation depending on who's holding what cards.

  7. #5787
    Join Date
    Apr 2004
    Posts
    740

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    Quote Originally Posted by StreetView View Post
    Do the banks offer any cashbacks if you decide to stay with them with new fixed rates?
    Only Westpac that I know of but of course they put timelines on the cash back my last one was 2yrs

  8. #5788
    Join Date
    Jul 2006
    Location
    Christchurch
    Posts
    302

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    Quote Originally Posted by StreetView View Post
    Do the banks offer any cashbacks if you decide to stay with them with new fixed rates?
    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 bank as part of an existing loans rollover. If this is the case it is unlikely there will be cashback offered.
    Scott Miller - Mortgage Broker
    Ph: 03 980 4541 M: 021 34 36 48
    AMS's website My email

  9. #5789

    Default

    Quote Originally Posted by Scott Miller View Post
    cashbacks are generally only paid for new lending... looks like you ate looking to re-fix...it is unlikely there will be cashback offered.
    Time to talk to their retention team. The threat of taking your business elsewhere can often have a "loosening of purse strings" effect.

  10. #5790
    Join Date
    Jul 2006
    Location
    Christchurch
    Posts
    302

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    Quote Originally Posted by Learning View Post
    Time to talk to their retention team. The threat of taking your business elsewhere can often have a "loosening of purse strings" effect.
    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.
    Scott Miller - Mortgage Broker
    Ph: 03 980 4541 M: 021 34 36 48
    AMS's website My email


 

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