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ANZ Broker 给我拿到了 Variable – 4.92%。请问有谁从ANZ拿到更低的的rate吗，我还是想和broker谈谈rate的问题。
Broker 很nice帮了我很多忙在买房的过程中。我选择了Variable – 4.92%。我觉得贵，因为HSBC刚刚宣布降到4.74，所以就写信问broker。Broker还还给我回了一封长长的邮件解释rate的问题。我也不好意思跟他讨价还价。 请大家参考：
以下是他的response:
Hi Frank
I would like to answer Frank’s question re lower rate by HSBC etc.
As you are aware, ANZ is one of the 4 largest banks in Australia and we pride ourselves on service while remaining competitive. I can certainly vouch for the high degree of transparency that ANZ offers to our customers. Basically, what you see is what you get and there is nothing hidden.
On rates, our rates are published on our website and everything stems from there. You will notice that our published variable rate is currently 5.88%. I will be able to offer you a fixed discount under the Breakfree package (I believe I have previously sent you information about this package). I am aiming for 0.96%, being the maximum that we can offer these days (even for much higher loan amounts). This fixed discount will be held for the life of the loan. If for whatever reasons our published rate falls to 4.88%, then your rate will be 4.88-0.96=3.92% etc.
We do offer a higher level of discount from time to time, what I can do is monitor the situation and attempt to obtain for you that higher level if the situation warrants it at the time. (Note that your discount will not fall below the 0.96% as I said previously.)
Our fixed rates are also published on the website. Breakfree customers enjoy a 0.15% discount from those rates.
You may also recall that an annual Breakfree fee of $375 is payable. Apart from the rate discounts, it also comes with many other benefits. Details are listed on the website and a summary is attached herein. Note that there will be no other operating costs in running a loan account under Breakfree. Indeed the same benefits can flow onto however many loan accounts you may have under the same package.
There are exception fees payable, eg late payment fee. These will be specified in the loan agreement.
In relation to your HSBC example, I notice that some fees are still payable, eg valuation and redraw. The HSBC website also does not specify what the rate may be if the ‘headline’ rate is changed, ie what is the discount offered or if it is for the life of the loan. It states some fees will be stated in the loan contract. So until you receive the contract, you will not know what they are. (An example is when you have to change the structure of loan. For us under Breakfree, there will be no fee irrespective of whether or not the loan amount is changed. I am not sure about the HSBC offer.)
Interestingly someone asked us about another low interest rate offer from another small bank yesterday. It was subsequently found out that the rate was a ‘honeymoon’ rate, in that it will reverted to one with much higher interest rate after two years. Hence, borrowers need to be very careful in knowing the catches with seemingly good offers.
The mortgage market in Australia is very competitive. In particular, the offers by the big 4 banks are very similar. I believe the only differentiator is the level of service that customers will receive, both before the loan is written and afterwards.
Hope this helps.
Best regards
Stephen
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Jeru找房搬家腐败记~[全文完！] (2005-2-28) jeru 
墨尔本的生活（一） (2005-7-8) 红袖 
发表于 2013-8-30 00:27
发表于 2013-8-30 09:39
