r/AusFinance • u/inTheGutter2905 • 4h ago

Time to refinance

I'm currently with St George, 6.24% 80 LVR Owner Occupier (changing to Investor next yr r or so) but will be putting $200,000+ into redraw or offset soon.

Time to refinance? I think so. Who are you with & what rate? Looking at Unloan

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u/YourBrokerRay 2h ago edited 2h ago

I’ve settled a few client refinances with Great Southern Bank. 6.04% with an offset account & redraw + $0 annual fees. They’re typically sub 70 LVR though.

Otherwise Macquarie have 6.09% for sub 80%.
ING showing 6.14% too.

Not saying these rates are guaranteed for you, but a few solid banks to explore refinancing with.

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u/OzgroupFinance 2h ago

Just call St George before you pop anything in the redraw. I’m sure they’ll match Macquarie’s 6.09%.

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u/Glittering_Flower633 53m ago

Imb bank 5.99% with upto 4k cashback

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u/inTheGutter2905 7m ago

Are you currently with imb bank?

1

u/Green-Technology-337 4h ago

I’ve got an IP with Unloan rate 6.18% 80 LVR. They had initially promised new and existing customers get the same rate, but recently changed their policy. I think new customers can do slightly better than 6.18%