Advantedge

To say they have zero customer service is generous. Their parent company, NAB have a stated policy of making interest rate changes on the day of RBA meetings and applicable within ten days. This clown outfit of a financier may be owned by NAB (and every second person uses a NAB email address), but the circus that is Advantedge is determined to… Read more

extract as much money as they can from the customer. Indeterminate on when they ,might make a decision to cut rates. And if they do, make it applicable up to 7 weeks from when the RBA met and cut. They should not have a financial services licence. And NAB should disband them and fold them into the bank before they do themselves any more reputational damage.

They don't even know how to set up an automatic withdraw They had to try it 3 times and I spoke to 10 ppl how stressful I feel sorry for anyone unable to pay in 14 days as they can't even help to avoid bad credit rating Show details

Worst financial decision of my life – I organised a hardship arrangement in October due to a change in circumstances. The arrangement was agreed for 12 weeks, but eight weeks later they started taking funds again. I was told "The system does not make mistakes" then it was finally discovered that they set the arrangement up wrong. Took WEEKS to sort this out and literally HOURS of my… Read more

time.

On top of this the new arrears figure that they gave me does not match the arrears figure that was originally calculated and agreed to. I was once again told "The system does not make mistakes" (literally those words, after admitting repayments had been restarted on the wrong date). I recalculated the amount multiple times with the person on the phone, and they were unable to tell me where the discrepancy was. I was told I would receive a call on a certain day by a certain time to go through the arrears calculation and determine the exact correct amount, this call never came - when I rang them, the person was not at work that day (WTH would they arrange a call then????). I then went overseas on a work trip which they had been aware of for weeks... I left three messages by phone and sent three emails directly to the person I was dealing with, none of these were responded to until a week after I had left (about 10 days after it had been arranged that they would contact me).

I responded to advise that I was still not happy with the calculation of the arrears, and that I wanted them to show me their side of the calculation. The calculation that they did give me did not make sense, and I needed it explained. I was unable to deal with this due to patchy internet in the remote area I was staying, and I requested a timeslot for a phone meeting with the person that I was dealing with and an extension of the hardship period since I was unable to deal with this. It has now been 2 weeks and I have heard nothing. Repayments started again and I am now in SEVERE hardship due to this company's complete lack of communication and their inability to respond or even do their job.

I am currently suffering severe financial hardship and severe emotional distress due to this company's failure to communicate, and it seems I will have to take legal action if I return home to discover that my credit rating has been affected by this. I have wasted literally DAYS of my life trying to deal with this incompetent company and they are just running me around and around in circles. Customer service is rude and refuses to pass messages on to the person who I am told I HAVE to deal with... I am unable to deal with anyone else, she has taken the case on personally but only works half of the week and will not set appointments, so I have no choice but to sit and wait while nothing gets done.

I will not recommend AFG home loans, Advantedge, or any other NAB subprime spin-off company to anyone, not even my worst enemy. This is by far the worst financial decision of my life and it has taken the shine of the purchase of my first house, I am literally posting the property for sale now as I cannot refinance to a competent lender (due to my change of circumstances) and this company is doing its absolute best to bankrupt me.

Reliable and Responsive – For nearly a decade, I've entrusted my loan to Advantedge, and my experience has been consistently positive. Whenever I've required assistance, they've responded promptly and with genuine helpfulness. Despite the mixed reviews, my personal journey with this bank has been nothing short of satisfying. Show details

Customer Service – My home loan has been carried by Advantedge for 10 or so years. My view is that customers should be contacting their lender or their mortgage broker (not Advantedge) for account and services related enquiries. I'm with Plan Lending and they have good Customer Services. On the occasions when it was appropriate that I speak with Advantedge… Read more

managers directly - I have found the teams to be highly professional - and focused on finding solutions. Next time - don't communicate with Advantedge - contact your lender direct or your mortgage broker.

Simple loan and happy with – Not as 'snazzy' as my last lender (RAMS) but the rate is significantly cheaper and I am saving a lot of money. Internet banking is a bit old-fashioned looking but does everything I need (transfers, balances etc). If an old-looking internet banking platform means I save thousands a year, I'm all for it. Rate has continued to drop with the recent… Read more

RBA rate cuts which is great. I might look to refinance to one of the online lenders (like Athena) in years to come who are slightly cheaper again but very happy with My Loan Elect.

Just dont do it – Worst customer service and internet banking product I've ever experienced. Inconsistent responses on product knowledge. Ambiguous documentation and advice. I've had to lodge complaint after complaint to get errors corrected. Just dont bother.

Woeful customer service – Trying to get service from these people is like pulling teeth. They are inflexible and uninterested in trying to ensure a good Custer experience.

Brought to tears many times – As stated by others, bank hold funds unnecessarily. Call centre refuses to help. Staff have no authority. Do not use this product it is not worth the tears. Twice left me without expendable cash due to "processes" without any explanation. Do not consider their customers at all. Show details

Avoid using this service at all cost – They are not transparent, do what they want to do, perform credit checks without consent, coerce money out of you that is not theirs when you sell one property, they blackmail money from the sale to put against the other loan even though you are financially in a better position. Do not use this lender. There is a reason they only get a 1.5 start rating. Show details

JUST DON'T WAIST YOUR TIME. EXTREMELY BAD EVERYTHING – In 2018 I refinance to this financier and received the worst experience ever. I was supposed to refi today after having enough of poor service, poor access to funds, poor access to people, poor internet access to loans and overall poor benefits and rates. They are seriously making money from their clients. No offset, takes 5 days to clear your… Read more

money which they direct debit (industry standard by the way is 3 days max) so they must be using clients funds in the market to make a profit for themselves whilst charging you more interest. Even today's refi to another bank was not met after they confirmed pexa settlement with my new bank. My new refinancier could even get a response as to why they didnt show at settlement!!! I was told by them last week they were ready to go if given 2 days notice - they had over a week!!!! Not only has their lack of action or accountability impacted me but I wouldn't be surprised they will now charge me interest for their fault and for loans I shouldn't have with them after today.

I have lodge a complaint but will not hold my breath as they are incompetent with anything they do.

I could write 10 pages about their ridiculous poor excuse as a lender and I am amazed they have not been reported to the Ombudsman many times for investigation. They are a complete circus full of clowns and with magicians performing cheap magic tricks. I have lost more money than gained with Fastlend. If I had my time again I would never have chosen them and nor could I honestly recommend them to someone else to go through absolute torment of dealing with their sparcly existent sevice teams (not available on weekends or after 7pm weekdays) or their completely incompetent staff in other areas who tell you things which deep down you know will most likely not happen without constantly you follow up. Every other service they have speaks loudly for itself as being 3rd rate and severely frustrating. Try logging on to their website - think I have lost days of my life if I added up the time and its not my internet service either if your asking but their poorly constructed website which is limited and time consuming.

If I could give a 0 I would, so my 1 represents 0.

they don't want to refund your money after mortgage discharge – this is the first time i see a bank discharged my mortgage with the initial mortgage amount which i borrowed few years ago, not the balance of my mortgage on the settlement day. After 1 month of my settlement, they still hold my repayment (minus interest) which i had paid. I called them every week and got the same answer that it was processing,… Read more

need 10-15 days. They refused to send me a written confirmation. who should i contact to get my money back?

The worst bank ever – Very slow and inefficient internal process. No relationship manager assigned. Zero customer support. Made several huge mistakes in my settlement that has cost me a lot of money and time. Never use them again Show details

Pretenders that are showing what the financial Industry is really like in managing your money – Customer service is like kids a call centre thumbling over their words, they dont seem to know what they are doing. Cant answer any serious questions and send you off in directions filling out forms for things that you dont need so that they feel back in control over something they know. Endless identity check questions to get nothing of substance… Read more

back. They put you 'on hold' and they are not doing anything because when they come back they absolutely nothing to share with you except an offer to have someone call you back. Confused they cant seem to grasp the overall concept of advice on your loan. My last loan was held up due to inaction, this time they dont even confirm receipt of information or instructions over emails. Over the last few years since it became 'advantage' Ive been astounded that they have my entire life savings is in the hands of pretenders with ego and are so unprofessional making constant mistakes. Getting letters for years of tiny refunds of being overcharged and you just know its much much bigger than that

No customer support – i have been a customer with them for a number of years. it was good many years ago but now the support in non existent. you cant speak to any one and the auto messaging is a long process before you can do anything. They have very poor customer service. Show details

More like Dis Advantege – Absolutely worst customer service. You cannot contact a Manager or anyone with any authority , and you can only email them. They lost emails to complete for settlement of 2 properties and its now 2 weeks after settlement date. Show details

Avoid this lender at all costs – These guys have the worst customer service, I really regret going with them. They will do whatever they can to keep you at the highest interest rate possible. Take forever to reply to emails, they will leave you on hold until you have to hang up if you call to speak to someone I. Customer service.  Show details

Quick response – Had an issue, contacted Plan Lend and my query was answered by Samantha who redirected to relevant department...problem was fixed the very next business day very happy with result this occasion.  Show details

Absolute Crap and highly unprofessional – "Do not use this lender" Advantage Financial Unprofessional customer service and provide incorrect information. Their team seem not working together to provide clients a good information and outcome of loan.  Show details

Don't use these guys if you want good customer service – Impossible to contact, worst customer service ever. Don't reply to your emails, can't ring them to speak to anybody & then they don't answer your email query properly. Highly infuriating & arrogant lender. I can't stress enough, don't use these guys they are AWFUL Show details

Atrocious – I used this company Advantage which is owned by NAB, through a broker scheme and PLANLEND. Years after I refinanced and left, I was then slowly sent letter after letter, of them over charging me during my years with them. Their response in ripping people off and the impact that it caused was pathetic. Then even after contacting them to get my money back, they ignored the responses and postponed the refund for more months. Use at your own peril. Show details

Terrible! Do NOT use – The lender has terrible customer service, will not respond to emails and has a generic phone line that goes nowhere. The lender is now refusing to release the loan after we refinanced elsewhere AT THIER REQUEST. The loan is stuck in limbo and the lender is nowhere to be found and is uncontactable.  Show details

Theft – My home loan is through Plan lending/Advantage and they never answer their phone or emails. I have been trying to contact them for 2 months as I'd like to refinance my loan. They are happy to take large sums of money from me but don't have the decency to speak to their clients. I'm stuck....I literally don't know how to get through to them. Completely unsatisfactory. If I ran my business this way it would be shut down.

No customer service – Just another one of those companies that refuses to answer the phone or respond to emails. If you value customer service then look elsewhere. My unexpected relationship with them is via Ubank Home Loan. Presumably any Ubank home loan will be shunted off to this low-cost no-frills operation. I guess you get what you pay for. Show details

Pathetic – Rang to change my account to take my mortgage from and they completely botched it and now because of their incompetents I now have a disshonor payment against my name as Advantage still attempted to take the repayments out of an account that l had changed. I wish l could give a minus score as a 1 star rating is still to high for this so called establishment.  Show details

Absolute Crap and worthy of a AFCA complaint – Like a few reviews down - sold block of land (they had 2 as a combined collateral) - sold one and they demanded that all funds be paid off the 4 separate loans. This was supposed to give me 200K as cash and the other property valued @ 525K with a 200K loan. So to settle I now have to pay off the loans and have a 525K property with a 3k mortgage.… Read more

Given that this mob of lunatics take 3 months to settle - they will then hold a simple sale, for 30 working days, to finalize a 3K mortgage. Useless oxygen stealers.

No Customer Service its like they are in Administration – Never return phone calls. FastLend phone number to contact them is disconnected. Waiting 3 months for a call back now. They dont respond to emails or messages. Have been trying yo refinance they wont respond to my bank. No interest rate pass. Nov 2020 why are we paying 3.69%? Ripoff Show details

A costly mistake – There were a lot of hidden costs. A lot of the said cost is time. Takes too much time to complete a simple request and staff are incompetent requests keep going back and forth. If you wish to have a tainted credit report due to company fault, this is the right place to be. Show details

Very counterintuitive login process – Poor experience with this company. Very difficult to reach customer service (limited hours and long wait times). Very difficult to navigate and limited online tools. Would not recommend to anyone seeking low cost lending. Show details

Bunch of incompetent bozos – I have now paid off my loan and it's in credit. I asked them to make sure no further repayments were deducted from my account (because I know companies like this are useless and will keep taking payments for a loan that's paid off) and they sent me an email saying I had to fill out a form to "recalculate payments"?! Hello, there's no repayments -… Read more

the loan is paid off! Am currently on hold with them for over 2 hours as I do not believe they are actually taking calls and are using Covid-19 as an excuse. Now looking to complain to the ombudsman or higher authority.

Beware! – Absolutely farsical. Kept on hold for ever. Customer service is non existent. Currently on penalties as settlement date has passed and unsure when this will eventuate. Remortgage and move on Show details

Rubbish – The customer service is useless. Don't answer the call despite several attempts to contact them. Their loan rates is not competitive. They increased the rate from 3.39% to 3.64% on September 2020 despite the rates are falling across the industry. stay away from this ripper. Show details

Mortgage Loan undue recovery – With my experience of being a Advantedge customer, I am so much in trouble the way bank treat me as a customer. I have to sold my investment property to reduce my exposure for my mortgage on Investment property. They are so much harsh on you in a difficult time like this. They held all my money from sale of investment property against my home… Read more

loan. It is not expected in normal circumstances. I was supposed to be receiving the excess over that investment property loan to pay other debts taken for the construction from private lendors and credit cards. The bank is adoment retained all surplus money against my home loan reduced my home loan limits significantly because i took interest pause. They panish me for taking the government relief. Though the pandemic interest relief was officially to relieve customers. The bank has taken it as advantage to them-self and tried to put me in a financial crisis. The bank has ranked me as a defaulter internally. They have taken harsh action against someone who put interest on pause. Please please do not use Advantedge. Please use any other bank who understands customers in a situation like this. For my luck there was another bank which is helping me to refinance

Chris M