My apologies Dean, I left out;
“I think what Richard is referring to is the current Suncorp offer http://www.suncorpbank.com.au/home-loans/genuine-offer …..”
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Love reading all this stuff guys.
I have a $1mil LOW DOC loan with RAMS which also is a line-of-credit. After 3 years the loan was transferred to a full doc loan automatically (well sort of – I had to make a phone call the remind them) and rate was dropped to 4.70% var last week.
What really pisses me off is a bank like St.George, I fixed my $800K low doc loan last year at 4.94% for 1 year, the fix rate ended Nov 2014 and I got a letter advising that my rate will now revert to there standard variable 6.12%. After a very loud rant over the phone, they reduced this to 5.44% and as usual I had to fill out a whole lot of forms for this to happen while I was paying 6.12% as the paperwork took over 10 days to complete. RAMS did everything over the phone instantly.
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