Hi Simon, We were refunded the application, valuation, and annual fee… Hope this helps you.

Thanks.. looks like they no longer refund the solicitor/legal fees ..

Are you getting Annual Fee refund as lender is charging monthly (In my case lender charges $10 each month so shall I expect $120 for the year or $10 each month?) . If the answer is yearly then shall I assume after year completes? Thanks

The lender that they used for me was Australian First Mortgage. Its not an offset account, its a redraw facility that they offer (similar but a bit different). If you do decide to go with them, just ensure that the rate you are told when you are given preapproval does not mysteriously change when you submit your proper loan application. I think its pretty dodgy that they can change the rate after you have been given preapproval hence leaving you little time to try to find another lender once you have bought a house.

Have you thought about looking at loans.com.au or ubank? I will be checking them out once I get a chance to refinance.

Thank you. I'd originally started with Aussie but PMG was such a better deal. At least on paper.

Yes I have had similar experiences with AFM but when I told PMG I was unhappy John did my next loan at Mortgage Ezy. I wish he had done all of mine there. Great rate and its moved down with every RBA decrease and nothing has been too much trouble for them. maybe they get less commission from them but I would recommend you ask John to quote their rate next time.

No. PMG is just a broker. They use lending institutions who loan you the money. My mortgage is through an NAB subsidiary and so is my brothers ( another PMG) client. Once you have the loan settled you don't here from PMG again. AFAIK interest rates will rise and fall around the sane time as any other lenders will.

I've had a great experience with them. My interest rate is low compared to other lenders out there. I was recommended by a family friend who has been with PMG for many years now, his rate is still low even after many years.

Thank you for your answers it is greatly appreciated :)