Sally Tindall

speaker

491 appearances 5 recordings 3 series first heard Apr 2022 last heard 30 Jun

Sally Tindall’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 2 in all, peaking in Jun 2026 with 1.

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The Money Puzzle · What you should be paying on your borrowings (and getting on your cash) · 21 Apr 2026 podcast

So you can see there's a little bit of choice there for the highest ongoing savings rate with absolutely no monthly strings attached.

They always have some sort of strings.

There's balance caps and things like that to navigate.

But you can get that kind of ongoing rate that's above 4.5%.

Now, if you're willing to jump through the hoops, right, you can get a rate, an ongoing savings rate as high as 5.4%, but you will need to meet certain monthly terms and conditions.

There's balance caps involved and all the rest of it.

And then the highest ongoing savings rate in the land, which this will probably floor you a little bit because you're not expecting me to tell you who it's from, 5.5% is from Westpac.

No, you didn't expect that.

But there's, again, yet another caveat, which is it's only for people aged 18 to 34 years old.

You can see how they're going after that young adult market.

Not a bad rate if you can meet all the terms and conditions to achieve it.

Okay.

So you're an owner-occupier, track record of paying down your debt.

Your average rate for a variable customer is sitting at 6.01%.

That's our estimates of RBA data, knowing that all the banks have just passed on those color rate hikes in full.

But you can still get relatively competitive rates.

I think on our database, we've got

And we estimate there's 40 or so lenders offering at least one variable rate under 5.75%.

And then one or two lenders offering rates below 5.5%.

So basically 5.5% is kind of your lowest, thereabouts.

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