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AzzaNZ View Drop Down
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Joined: 02 June 2008
Location: North Shore
Points: 2089 		Post Options Post Options   Thanks (0) Thanks(0)   Quote AzzaNZ Quote  Post ReplyReply Direct Link To This Post Topic: Off-topic: mortgage rates
    Posted: 22 August 2011 at 7:15pm
What is considered a good mortgage rate?

We've been offered a margin of 0.41 off the current variable rate but I've no idea what is good or not and whether I should shop around further or accept.

Would anyone be willing to share what rates they've offered and any negotiating tips?



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frangipanigirl View Drop Down
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Points: 485 		Post Options Post Options   Thanks (0) Thanks(0)   Quote frangipanigirl Quote  Post ReplyReply Direct Link To This Post Posted: 23 August 2011 at 2:24pm
Hi azza I work for a bank so i know a little about this !!!
If u look on interest.co.Nz you can compare the rates u are getting, u could also ask if u had all your insurances with that bank if they could do any better? But .41 off is gd depending on what term and what else they offer u? Fees or legel fee help or flybys or airpoints? U can guess what bank I work for from that
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Bizzy View Drop Down
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Points: 10974 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Bizzy Quote  Post ReplyReply Direct Link To This Post Posted: 23 August 2011 at 2:27pm
lol I'm sorry but even though i have a mortgage i had no idea what you were asking! I think we are due to refix later this year and are hoping it wont be too different from what we have now. We have always just fixed our interest rate.

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AzzaNZ View Drop Down
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Points: 2089 		Post Options Post Options   Thanks (0) Thanks(0)   Quote AzzaNZ Quote  Post ReplyReply Direct Link To This Post Posted: 23 August 2011 at 2:27pm
Thanks pocahontas! Appreciate the help!



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blessedmama View Drop Down
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Points: 949 		Post Options Post Options   Thanks (0) Thanks(0)   Quote blessedmama Quote  Post ReplyReply Direct Link To This Post Posted: 26 August 2011 at 1:52pm
ooooo thanks Pocohontas. Our mortgage rate needs refixing shortly so I might check out that website.
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