Have you ever seen a home loan interest rate as low as 2.99%?
One small lender will reduce its one-year fixed rate to just that, which will set a new record for the lowest home loan rate financial comparison site Canstar has on its 26-year-old database.
The current lowest rate Canstar has on record is 3.02% (comparison rate 3.34%) offered by Gateway Bank in July 2016 – a month before the Reserve Bank cut the cash rate to a record low of 1.5%.
Greater Bank will lower its one-year fixed home loan rates to 2.99% (comparison rates below) for owner occupiers on Monday, a day out from Tuesday’s RBA board meeting where the central bank is widely expected to cut the cash rate for the first time since August 2016 to a new record low of 1.25%.
Canstar Group Executive of Financial Services Steve Mickenbecker said this would be an exceptionally low interest rate, but borrowers would have to keep in mind that it will only last for 12 months.
“Paying a rate of 2.99% for 12 months wouldn’t hurt anyone, but people have to be aware of what happens next,” Mr Mickenbecker said.
The ultra-low rate applies to new customers of Greater Bank’s Discounted Great Rate (comparison rate of 4.42%) and Discounted Ultimate Packaged Loan (comparison rate of 4.62%).
Both revert to variable rates after 12 months. Those rates are currently 4.55% for the Great Rate loan and 4.35% for the Ultimate Packaged loan, however both rates are subject to change and may be higher or lower by the time the fixed term expires.
A number of other lenders have cut their fixed rates this week, including National Australia Bank, Bank of Queensland and ING.
Mr Mickenbecker said it was a sign that lenders were moving before the expected cash rate cut.
“I don’t expect to see significant movement from those who have already been moving rates down in recent months,” he said.
“While a lower cash rate is indicative of which way the banks will go (with interest rates), variable interest rate cuts are not necessarily locked in and depend on wholesale funding costs.”
https://www.canstar.com.au/home- ... -loan-rate-of-2-99/
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不谈贷款条件和额度的低利率，都是耍流氓
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计算器在这里，我按了下，结果比四大可贷额度还高。
https://www.greater.com.au/support/calculators
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2.99% 是combined的嗎？
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小银行
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卧槽… 这是自住还是投资啊？
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应该不是，我看介绍上写的，无年费，无月费，但是有一次性$180手续费，从他家转贷到其他银行还会收$300。
Application Fee $0
Ongoing Fees $0 p.a.
Settlement Fee $180
Discharge Fee $300
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自住。。。
要看贷款金额了，我感觉贷得少的话，Mortgage House那个自住3.29%，最高可能返现$3000的更划算点。
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牛x了… 看来到了refinance的好时候
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别发了 我要吐血了
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直接找银行，还是找代理， 还是直接找这些专业贷款公司？哪个好请指教
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应该不违规吧。违法的deferred establishment fee.
我缴过好多次discharge fee，有多有少，但每家都收两三百的。
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看英语能力和贷款经验吧，会自己申请的可以官网直接申请。
能力经验还欠缺的的，还是找中介帮你吧，足友有很多好中介。犬头像的那几位都很好！
我最近投资房转贷就是足友大头爸爸帮我申请的，特别棒，很满意。
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online 申请，省了broker upfront & trail？
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银行省了，贷款人又不省。
我觉得还是有中介好，不然似懂非懂的一阵申请操作猛如虎，信用记录里留一堆Credit inquiries，自己把转贷可能给断送了。
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comparison rate of 4.62%
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这是什么啊？我看网站上的浮动利率自主3.82%, 投资房4.38%，还不如我现在的银行。这种小银行不能只看1年期，到时候1年到了利率很高，要转走还要收费，麻烦！
如果是软广告，请注明.
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ANZ refused to give me a better deal at the end of May, which was also my 2-year fix term due date
So I have so many choices to have a refinance deal now
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这是我今天看到的新闻啊，绝不是软广告。
阅读要仔细，新闻说周一才开始，现在官网上啥信息也没有。
根据我多次被银行杀熟的经验，浮动利率贷款一年半载后十有八九会杀熟。银行老顾客比新顾客利率平均高0.79%
浮动利率根据银行融资成本一直在变，你应该作的是根据自己的贷款额，加上所有的费用，减去返现来计算自己的实际利率。
澳洲房贷寿命平均两年多，你操心三十年的comparison rate干啥？没多大实际意义。悉尼的房价那么高，所有人付的利率都比comparison rate低。
要关注市场动态，看到更优惠更合适的贷款产品，先和现在的银行协商要求match，不能match就转走。
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那个不是的。
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啊 这么可怕
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降息了，房子要涨了，三个月前有哪些专家敢提起这种事？
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谁管你是啥专家？你自己在网上high一下反正也不要钱对吧：）
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请问这种低利率的是有offset account的吗？ 我们现在是westpac offset， 自住房， 连本带息的还 是4.18 是不是利率太高
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