CBA offers some great competitive rates, a really use friendly and great online banking system and app, and offers as many offset accounts as you like.
Great service, friendly staff, fair interest rates.
The Bankwest home loan customer service is top notch. I called to fix my interest rate and the bank officer talked me through the process. I had to put additional funds in, so I called him a few months later when I had the funds ready and he helped me in 2 minutes over the phone! They always call back when you leave a message and I think their fixed rate is very competitive. Awesome service so far.
I have been with ANZ for more than 30 years. My variable rate home loan has an offset account, a redraw facility and no fees. I find it works well as we don’t pay any interest and we can redraw online at our own convenience.
They are easy to contact and have a good reputation.
When contacting about home loan they are slow to respond. Online access does not show interest rate and when contacting them by phone it takes weeks to get a response via email. Virgin has not been able to provide a debit card to access our savings. Instead if we need cash we have to transfer to an account we have with another bank and then withdraw from that bank. Credit card transactions are slow. They show as pending for days before appearing properly, only primary card holder can see all credit transactions. With online access other card holders can only see their own transactions and not all.
I like my bank as you are able to pick up the phone and speak to a support person when needed. Prime example as I was in Bali early this year and I transferred money to my son in Australia with no qualms but when completed had major doubts about what I had done and how safe it may have been. My husband jumped on the phone and rang Bankwest and immediately they took care to make sure our accounts were protected.
We appreciate the bank as they give loans even though income is not high, however their interest rate is very high comparatively.
I love the bank as the customer service is very good.
Commonwealth bank have competitive rates and extra features with their home loans like extra repayments and redraw option which is a great way to have back up savings for an emergency you can draw on. You can also keep track of your home loan on their commbank app.
By far the worst banking experience I have ever come into contact with. Do not use this bank, save yourself the heartache. Try anyone else.
I just renewed my mortgage interest rate. They offered me 2.29% for three years so I just ignored offers form other banks and stayed with Westpack but after the paperwork, record shows that they renewed for only two years for 2.29% and I asked why. I was told that they got mixed up and apologised. Then they said they are ready to change it to three years but I need to pay $711 for break up fees and also they can only give 2.59% for three years because the old offer was not available at this stage. They gave some confusing calculations. I lost all trust and felt like I was cheated.
Don't go with ANZ bank for home loans as they take a long time to approve. Banks are there to build your dream towards homes but they are ruining people’s life. I had to get an extension twice from my seller but they are still not processing my application after 34 days. Now I feel like I have to loose my dream bcos of bad business practice.
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