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Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah. Perfect. And how's your day been so far? Been busy? I can't imagine. Yeah. Well, I will try not to keep you for too long. I essentially just had you booked in. I know you spoke to my colleague Samantha a bit earlier today about potentially wanting to look at if you should change your loan or restructure things with lending side. Is that correct? So I understand at the moment that you have your mortgage with WA Bank. PNN Bank. Yep. Perfect. And when was it that you have you ever refinanced your home, or when was it that no? And when was it that you took out your loan? Okay. And at the okay. And did you, at the time, select a variable rate or fixed rate? Do you know? Oh, very good. But has that has it yeah. And has that moved over now to variable rates? Yeah. And do you know what it is at the moment? Yeah. Around that. Yeah. Now I have here that your property is valid about 600,000 as well at the moment. Is that right? Yeah. How much would you reckon? Okay. Yeah. No. Very much sorry. And loan about $2.65? Yes. About $2.50. Okay. Perfect. Yep. And it is always really good to to refinance as long as you're kind of you know, your goal is not to just reduce that mortgage as as quickly as possible and just be completely debt free. But for most of the time because, obviously, if you take out a a new loan, then it can obviously be that thirty years unless you choose a shorter one. But but often, it is very much worth reviewing. I always suggest having a look at refinance even every single year, especially because your property tend to go up in value, your loan decreases. So then the interest rate you can get on the loan to value ratio, you can go lower. So you can potentially access lower interest rates because you're borrowing less against equity, if that makes sense. Yeah. So it's always really good to review because, typically, obviously, because if something were to happen, the bank will go like, okay. Well, we we have more equity in the property, so your house is worth more. So in a percentage of how much you owe of the property is a lot less now than it was when you took out the loan. Does that make sense? Yeah. So it's always good assess if you can get better rates and anything like that, especially as the property prices do go up, and I imagine your property has gone up quite a bit in the last four to five years as well. So it's definitely worth revisiting if you are, you know, happy to do that. And it's always, like, a free review with the the lender anyway to see what the rates would be like. And then you can always assess, well, you know, if you wanna change or not depending on what the the rates and the banks would be. So are you happy for me to pass on your email and phone number for them to give you a quick call about having a bit of a lending discussion with you? Yeah. Yeah. Yeah. No. It would depend, I guess, what the purpose is. You could potentially consolidate both and change through something else if it's gonna give you the best rate. Now typically, we do see it just depends on what the rates and stuff like that and if you get anything else. But but often, we see people have your mortgage and your everyday bank with the same bank because you very much can have that offset account attached to it if that's something that you want. Because, obviously, the interest that you would typically earn on your everyday savings account is a lot lower than, typically, obviously, what you would earn back on the interest in offset account. So very often, if your goal is to just to kind of, you know, keep keep saving, but also wanting to focus on offsetting that interest, having an offset account is great. And most banks nowadays do have that you can add an offset account to it. So a lot of the banks do have an offset account and with the lender as well. I can let them know that you are interested in an offset account as well attached towards them. They can search all the banks that would be, you know, willing to look at refinancing, what the rates are going to be like, what the repayments are going to be like, the fees and stuff like that that do have an offset account attached to it. And they can let you know. Yeah. It would just come down to as well if you if you are wanting the lowest interest rate or if you want, like, the ease and stuff of things. Because sometimes you can have, you know, other banks that might not be as big as, you know, your Commonwealth or or ANZ, more like your your online banks, like even like ING and other ones where they can give you a lower interest rate. You can still have offsets and stuff like that attached to it. So it just depends on what's more important to you. If if the goal is to we'll lower your repayment to still have an offset account, they can do that research because we're I'm not a lender, so I can't do that. They can then kind of research the best option for you. They they will give you a proposal, and then you can see as well where it fits. And you can even say, hey. I would like you to consider the banks that you currently have and compare that and get other options. And then you can see, well, how much is that going to cost, what interest rate did they offer you versus, like, another bank. Yeah. And if anything, they'll do the research. They'll put a proposal together for you, and then you can decide if you read it and you go, you know what? It's not a big difference. I very much prefer the East because I already have that bank. Then they can obviously look at changing that mortgage for you anyway. Or if there's another bank that you can combine the the two into another loan with another bank, they then can obviously assist you with that as well to make it easier for you. Yeah. Does that make sense, Matthew? Yeah. It it does get a bit messy, and we can I can kind of only give you the general side of it because I'm not a lender? But I can definitely provide all this information through a mortgage broker that we work with. And if you're happy to, I can get them to give you a call because they have, you know, a range of different banks that they work with. And I'll let them know that you wanna compare against the one you at the moment as well to see where that sits and that you would like an offset account attached to it. And, also, kind of the ease of things is important, but, otherwise, obviously, getting a low interest rate is is, you know, great. Yep. Now do you have the best contact time that you would like them to give you a call? Yep. Okay. Perfect. Now I do know that you're obviously in WA, so the time difference does make a little bit of of a difference, but I will still say as late as possible. Any day Monday through Friday or Thursday. I can ask them. Sometimes they do, but often just kind of your standard business hours. But sometimes they do, like, even after hours appointments and stuff to accommodate or or even early mornings, like, before you start work potentially depending on how early you do start work. I can always I'll send you an introduction email to to them as well so that you have their contact details, and then you can always obviously communicate with them if the time doesn't suit and that you do press that weekends if possible. If not, as late as possible in the afternoon. Yep. Perfect. I'm sorry. You did say that you were happy for me to pass on your phone and email address so they can give you a call? Yep. Yep. Okay. Great. Perfect. Was there any other questions or anything else that you needed? Or was it mainly just in regards to see if you should move move your loan? Yep. Yeah. Let me have a look here. Yes. Your last one was in November, so it's definitely coming up. Would you like me to schedule you in while I have you on the phone? Yep. Okay. And you said you prefer late afternoon? Yep. Okay. Let me have a look here for you. Let me see. I could do next Thursday, is the twenty sixth, and the latest I could probably do let's see here. Would be Actually, let me see. That's five. I thought that's 03:00 your time. It's probably a bit too early. Just bear with me. I can probably I can do 06:00, which will be 04:00 your time, on Thursday, the twenty sixth. Would that work? Yeah. Yeah. We do show at seven, so then six o'clock would be the latest, and that obviously with the time time difference would be 04:00 your time. So I'll book you in on Thursday, February 26, and that will be 04:00 your time. Yep. Yep. Okay. If anything changes, though, you can't make it, you know, just just give us a call or send us an email or anything, or we can always see if we can reshuffle it for you. Yep. No problem. And keep a lookout for that email as well. I'll get the lender through to give you a call well to have a look at reviewing all your mortgage and everything and see how we can help you. No problem at all, Matthew. I hope you have a lovely afternoon. Thanks. 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afternoon. This is Matthew. This is Veronica from XQ Financial. How are you this afternoon? Yeah.\n\nI'm good. Thanks. I had you booked in for a quick catch Is now still a good time for you? Yep. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah.\n\nPerfect. And how's your day been so far? Been busy? I can't imagine. Yeah.\n\nWell, I will try not to keep you for too long. I essentially just had you booked in. I know you spoke to my colleague Samantha a bit earlier today about potentially wanting to look at if you should change your loan or restructure things with lending side. Is that correct? So I understand at the moment that you have your mortgage with WA Bank.\n\nPNN Bank. Yep. Perfect. And when was it that you have you ever refinanced your home, or when was it that no? And when was it that you took out your loan?\n\nOkay. And at the okay. And did you, at the time, select a variable rate or fixed rate? Do you know? Oh, very good.\n\nBut has that has it yeah. And has that moved over now to variable rates? Yeah. And do you know what it is at the moment? Yeah.\n\nAround that. Yeah. Now I have here that your property is valid about 600,000 as well at the moment. Is that right? Yeah.\n\nHow much would you reckon? Okay. Yeah. No. Very much sorry.\n\nAnd loan about $2.65? Yes. About $2.50. Okay. Perfect.\n\nYep. And it is always really good to to refinance as long as you're kind of you know, your goal is not to just reduce that mortgage as as quickly as possible and just be completely debt free. But for most of the time because, obviously, if you take out a a new loan, then it can obviously be that thirty years unless you choose a shorter one. But but often, it is very much worth reviewing. I always suggest having a look at refinance even every single year, especially because your property tend to go up in value, your loan decreases.\n\nSo then the interest rate you can get on the loan to value ratio, you can go lower. So you can potentially access lower interest rates because you're borrowing less against equity, if that makes sense. Yeah. So it's always really good to review because, typically, obviously, because if something were to happen, the bank will go like, okay. Well, we we have more equity in the property, so your house is worth more.\n\nSo in a percentage of how much you owe of the property is a lot less now than it was when you took out the loan. Does that make sense? Yeah. So it's always good assess if you can get better rates and anything like that, especially as the property prices do go up, and I imagine your property has gone up quite a bit in the last four to five years as well. So it's definitely worth revisiting if you are, you know, happy to do that.\n\nAnd it's always, like, a free review with the the lender anyway to see what the rates would be like. And then you can always assess, well, you know, if you wanna change or not depending on what the the rates and the banks would be. So are you happy for me to pass on your email and phone number for them to give you a quick call about having a bit of a lending discussion with you? Yeah. Yeah.\n\nYeah. No. It would depend, I guess, what the purpose is. You could potentially consolidate both and change through something else if it's gonna give you the best rate. Now typically, we do see it just depends on what the rates and stuff like that and if you get anything else.\n\nBut but often, we see people have your mortgage and your everyday bank with the same bank because you very much can have that offset account attached to it if that's something that you want. Because, obviously, the interest that you would typically earn on your everyday savings account is a lot lower than, typically, obviously, what you would earn back on the interest in offset account. So very often, if your goal is to just to kind of, you know, keep keep saving, but also wanting to focus on offsetting that interest, having an offset account is great. And most banks nowadays do have that you can add an offset account to it. So a lot of the banks do have an offset account and with the lender as well.\n\nI can let them know that you are interested in an offset account as well attached towards them. They can search all the banks that would be, you know, willing to look at refinancing, what the rates are going to be like, what the repayments are going to be like, the fees and stuff like that that do have an offset account attached to it. And they can let you know. Yeah. It would just come down to as well if you if you are wanting the lowest interest rate or if you want, like, the ease and stuff of things.\n\nBecause sometimes you can have, you know, other banks that might not be as big as, you know, your Commonwealth or or ANZ, more like your your online banks, like even like ING and other ones where they can give you a lower interest rate. You can still have offsets and stuff like that attached to it. So it just depends on what's more important to you. If if the goal is to we'll lower your repayment to still have an offset account, they can do that research because we're I'm not a lender, so I can't do that. They can then kind of research the best option for you.\n\nThey they will give you a proposal, and then you can see as well where it fits. And you can even say, hey. I would like you to consider the banks that you currently have and compare that and get other options. And then you can see, well, how much is that going to cost, what interest rate did they offer you versus, like, another bank. Yeah.\n\nAnd if anything, they'll do the research. They'll put a proposal together for you, and then you can decide if you read it and you go, you know what? It's not a big difference. I very much prefer the East because I already have that bank. Then they can obviously look at changing that mortgage for you anyway.\n\nOr if there's another bank that you can combine the the two into another loan with another bank, they then can obviously assist you with that as well to make it easier for you. Yeah. Does that make sense, Matthew? Yeah. It it does get a bit messy, and we can I can kind of only give you the general side of it because I'm not a lender?\n\nBut I can definitely provide all this information through a mortgage broker that we work with. And if you're happy to, I can get them to give you a call because they have, you know, a range of different banks that they work with. And I'll let them know that you wanna compare against the one you at the moment as well to see where that sits and that you would like an offset account attached to it. And, also, kind of the ease of things is important, but, otherwise, obviously, getting a low interest rate is is, you know, great. Yep.\n\nNow do you have the best contact time that you would like them to give you a call? Yep. Okay. Perfect. Now I do know that you're obviously in WA, so the time difference does make a little bit of of a difference, but I will still say as late as possible.\n\nAny day Monday through Friday or Thursday. I can ask them. Sometimes they do, but often just kind of your standard business hours. But sometimes they do, like, even after hours appointments and stuff to accommodate or or even early mornings, like, before you start work potentially depending on how early you do start work. I can always I'll send you an introduction email to to them as well so that you have their contact details, and then you can always obviously communicate with them if the time doesn't suit and that you do press that weekends if possible.\n\nIf not, as late as possible in the afternoon. Yep. Perfect. I'm sorry. You did say that you were happy for me to pass on your phone and email address so they can give you a call?\n\nYep. Yep. Okay. Great. Perfect.\n\nWas there any other questions or anything else that you needed? Or was it mainly just in regards to see if you should move move your loan? Yep. Yeah. Let me have a look here.\n\nYes. Your last one was in November, so it's definitely coming up. Would you like me to schedule you in while I have you on the phone? Yep. Okay.\n\nAnd you said you prefer late afternoon? Yep. Okay. Let me have a look here for you. Let me see.\n\nI could do next Thursday, is the twenty sixth, and the latest I could probably do let's see here. Would be Actually, let me see. That's five. I thought that's 03:00 your time. It's probably a bit too early.\n\nJust bear with me. I can probably I can do 06:00, which will be 04:00 your time, on Thursday, the twenty sixth. Would that work? Yeah. Yeah.\n\nWe do show at seven, so then six o'clock would be the latest, and that obviously with the time time difference would be 04:00 your time. So I'll book you in on Thursday, February 26, and that will be 04:00 your time. Yep. Yep. Okay.\n\nIf anything changes, though, you can't make it, you know, just just give us a call or send us an email or anything, or we can always see if we can reshuffle it for you. Yep. No problem. And keep a lookout for that email as well. I'll get the lender through to give you a call well to have a look at reviewing all your mortgage and everything and see how we can help you.\n\nNo problem at all, Matthew. I hope you have a lovely afternoon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.4399998,"end":4.16,"sentiment":"neutral","sentiment_score":0.23913472890853882},{"text":"This is Matthew.","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.15164402623971304},{"text":"This is Veronica from XQ Financial.","start":6.24,"end":8.34,"sentiment":"neutral","sentiment_score":0.1588941216468811},{"text":"How are you this afternoon?","start":8.4,"end":9.54,"sentiment":"neutral","sentiment_score":0.21647023260593415},{"text":"Yeah.","start":11.2,"end":11.44,"sentiment":"positive","sentiment_score":0.34197133779525757}],"sentiment":"neutral","sentiment_score":0.19475816277896657,"num_words":17,"start":3.4399998,"end":11.44},{"sentences":[{"text":"I'm good.","start":11.44,"end":11.92,"sentiment":"positive","sentiment_score":0.5553751289844513},{"text":"Thanks.","start":11.92,"end":12.42,"sentiment":"positive","sentiment_score":0.6573774814605713},{"text":"I had you booked in for a quick catch Is now still a good time for you?","start":13.04,"end":16.755001,"sentiment":"neutral","sentiment_score":0.30439668981467977},{"text":"Yep.","start":18.815,"end":19.215,"sentiment":"neutral","sentiment_score":0.2164694517850876},{"text":"Perfect.","start":19.215,"end":19.715,"sentiment":"positive","sentiment_score":0.4548300802707672}],"sentiment":"positive","sentiment_score":0.34609868174249475,"num_words":22,"start":11.44,"end":19.715},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":19.935,"end":27.635,"sentiment":"neutral","sentiment_score":0.09293609376876585},{"text":"Yep.","start":28.814999,"end":29.295,"sentiment":"neutral","sentiment_score":0.17169885337352753},{"text":"Perfect.","start":29.295,"end":29.775,"sentiment":"positive","sentiment_score":0.35004276037216187},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":29.775,"end":36.73,"sentiment":"neutral","sentiment_score":0.07950869632455018},{"text":"Yeah.","start":42.47,"end":42.79,"sentiment":"neutral","sentiment_score":0.08746783435344696}],"sentiment":"neutral","sentiment_score":0.09262424098948638,"num_words":60,"start":19.935,"end":42.79},{"sentences":[{"text":"Perfect.","start":42.79,"end":43.29,"sentiment":"neutral","sentiment_score":0.272363543510437},{"text":"And how's your day been so far?","start":43.35,"end":44.805,"sentiment":"neutral","sentiment_score":0.0983214836035456},{"text":"Been busy?","start":44.805,"end":45.465,"sentiment":"neutral","sentiment_score":-0.011716916225850582},{"text":"I can't imagine.","start":47.925003,"end":48.825,"sentiment":"neutral","sentiment_score":-0.12981476386388144},{"text":"Yeah.","start":49.845,"end":50.345,"sentiment":"neutral","sentiment_score":-0.002207402139902115}],"sentiment":"neutral","sentiment_score":0.03896631446800062,"num_words":14,"start":42.79,"end":50.345},{"sentences":[{"text":"Well, I will try not to keep you for too long.","start":50.885002,"end":53.705,"sentiment":"neutral","sentiment_score":-0.12236881052905862},{"text":"I essentially just had you booked in.","start":54.085,"end":55.765,"sentiment":"neutral","sentiment_score":-0.07025613529341561},{"text":"I know you spoke to my colleague Samantha a bit earlier today about potentially wanting to look at if you should change your loan or restructure things with lending side.","start":55.765,"end":67.409996,"sentiment":"neutral","sentiment_score":-0.052526635800798735},{"text":"Is that correct?","start":67.409996,"end":68.31,"sentiment":"neutral","sentiment_score":0.0066147831579049425},{"text":"So I understand at the moment that you have your mortgage with WA Bank.","start":71.57,"end":79.205,"sentiment":"neutral","sentiment_score":-0.007746085125420775}],"sentiment":"neutral","sentiment_score":-0.053880765833533725,"num_words":65,"start":50.885002,"end":79.205},{"sentences":[{"text":"PNN Bank.","start":79.265,"end":80.485,"sentiment":"neutral","sentiment_score":0.002340654144063592},{"text":"Yep.","start":81.104996,"end":81.585,"sentiment":"neutral","sentiment_score":0.04830522835254669},{"text":"Perfect.","start":81.585,"end":82.085,"sentiment":"neutral","sentiment_score":0.09514576196670532},{"text":"And when was it that you have you ever refinanced your home, or when was it that no?","start":84.305,"end":90.299995,"sentiment":"neutral","sentiment_score":-0.020481799250572093},{"text":"And when was it that you took out your loan?","start":90.52,"end":92.7,"sentiment":"neutral","sentiment_score":-0.036267048120498656}],"sentiment":"neutral","sentiment_score":-0.018225330284622032,"num_words":32,"start":79.265,"end":92.7},{"sentences":[{"text":"Okay.","start":98.92,"end":99.42,"sentiment":"neutral","sentiment_score":-0.01136012002825737},{"text":"And at the okay.","start":101.315,"end":106.695,"sentiment":"neutral","sentiment_score":-0.023910996038466692},{"text":"And did you, at the time, select a variable rate or fixed rate?","start":107.315,"end":111.795,"sentiment":"neutral","sentiment_score":-0.007411296479403973},{"text":"Do you know?","start":111.795,"end":112.29,"sentiment":"neutral","sentiment_score":-0.015826541930437088},{"text":"Oh, very good.","start":117.33,"end":118.71,"sentiment":"neutral","sentiment_score":0.20187285542488098}],"sentiment":"neutral","sentiment_score":0.014782832586206496,"num_words":24,"start":98.92,"end":118.71},{"sentences":[{"text":"But has that has it yeah.","start":119.25,"end":123.91,"sentiment":"neutral","sentiment_score":-0.056573797638217606},{"text":"And has that moved over now to variable rates?","start":123.97,"end":127.785,"sentiment":"neutral","sentiment_score":-0.009867373233040174},{"text":"Yeah.","start":127.785,"end":128.10501,"sentiment":"neutral","sentiment_score":0.0005631856620311737},{"text":"And do you know what it is at the moment?","start":128.10501,"end":129.965,"sentiment":"neutral","sentiment_score":-0.026589605398476122},{"text":"Yeah.","start":135.785,"end":136.10501,"sentiment":"neutral","sentiment_score":-0.035203900188207626}],"sentiment":"neutral","sentiment_score":-0.02699207086805944,"num_words":27,"start":119.25,"end":136.10501},{"sentences":[{"text":"Around that.","start":136.10501,"end":137.005,"sentiment":"neutral","sentiment_score":-0.0995783768594265},{"text":"Yeah.","start":137.785,"end":138.285,"sentiment":"neutral","sentiment_score":0.06231984496116638},{"text":"Now I have here that your property is valid about 600,000 as well at the moment.","start":139.1,"end":143.66,"sentiment":"neutral","sentiment_score":0.09824469638988376},{"text":"Is that right?","start":143.66,"end":144.48,"sentiment":"neutral","sentiment_score":0.07687871033946674},{"text":"Yeah.","start":145.98,"end":146.46,"sentiment":"neutral","sentiment_score":0.029530830681324005}],"sentiment":"neutral","sentiment_score":0.07370631283392078,"num_words":23,"start":136.10501,"end":146.46},{"sentences":[{"text":"How much would you reckon?","start":146.46,"end":147.68001,"sentiment":"neutral","sentiment_score":0.017387351393699645},{"text":"Okay.","start":151.90001,"end":152.205,"sentiment":"neutral","sentiment_score":0.005227953195571899},{"text":"Yeah.","start":154.765,"end":155.085,"sentiment":"neutral","sentiment_score":-0.027551211416721344},{"text":"No.","start":155.085,"end":155.405,"sentiment":"neutral","sentiment_score":-0.1300404667854309},{"text":"Very much sorry.","start":155.405,"end":156.385,"sentiment":"neutral","sentiment_score":-0.12090405325094859}],"sentiment":"neutral","sentiment_score":-0.03892173889008435,"num_words":11,"start":146.46,"end":156.385},{"sentences":[{"text":"And loan about $2.65?","start":157.16501,"end":160.465,"sentiment":"neutral","sentiment_score":-0.0450034337118268},{"text":"Yes.","start":163.325,"end":163.825,"sentiment":"neutral","sentiment_score":0.0425930880010128},{"text":"About $2.50.","start":168.54001,"end":169.58,"sentiment":"neutral","sentiment_score":0.01571550779044628},{"text":"Okay.","start":169.58,"end":170.06,"sentiment":"neutral","sentiment_score":0.053511470556259155},{"text":"Perfect.","start":170.06,"end":170.56,"sentiment":"neutral","sentiment_score":0.316250205039978}],"sentiment":"neutral","sentiment_score":0.029308004925648373,"num_words":9,"start":157.16501,"end":170.56},{"sentences":[{"text":"Yep.","start":171.1,"end":171.6,"sentiment":"neutral","sentiment_score":0.06531839072704315},{"text":"And it is always really good to to refinance as long as you're kind of you know, your goal is not to just reduce that mortgage as as quickly as possible and just be completely debt free.","start":173.34,"end":185.21501,"sentiment":"neutral","sentiment_score":0.13465875669105634},{"text":"But for most of the time because, obviously, if you take out a a new loan, then it can obviously be that thirty years unless you choose a shorter one.","start":185.21501,"end":192.24,"sentiment":"neutral","sentiment_score":0.023890010888377826},{"text":"But but often, it is very much worth reviewing.","start":193.02,"end":196.24,"sentiment":"neutral","sentiment_score":0.19979964196681976},{"text":"I always suggest having a look at refinance even every single year, especially because your property tend to go up in value, your loan decreases.","start":196.38,"end":208.115,"sentiment":"neutral","sentiment_score":0.1858319555222988}],"sentiment":"neutral","sentiment_score":0.11969008216378736,"num_words":102,"start":171.1,"end":208.115},{"sentences":[{"text":"So then the interest rate you can get on the loan to value ratio, you can go lower.","start":209.055,"end":214.895,"sentiment":"neutral","sentiment_score":0.14560365966624683},{"text":"So you can potentially access lower interest rates because you're borrowing less against equity, if that makes sense.","start":214.895,"end":221.4,"sentiment":"neutral","sentiment_score":0.2150904271337721},{"text":"Yeah.","start":222.21999,"end":222.54,"sentiment":"neutral","sentiment_score":0.18765535950660703},{"text":"So it's always really good to review because, typically, obviously, because if something were to happen, the bank will go like, okay.","start":222.54,"end":228.85999,"sentiment":"neutral","sentiment_score":0.15370097011327744},{"text":"Well, we we have more equity in the property, so your house is worth more.","start":228.85999,"end":234.265,"sentiment":"neutral","sentiment_score":0.22495349248250326}],"sentiment":"neutral","sentiment_score":0.18156584664373784,"num_words":74,"start":209.055,"end":234.265},{"sentences":[{"text":"So in a percentage of how much you owe of the property is a lot less now than it was when you took out the loan.","start":234.265,"end":241.725,"sentiment":"neutral","sentiment_score":0.06472053801497588},{"text":"Does that make sense?","start":242.985,"end":244.045,"sentiment":"neutral","sentiment_score":0.13761642947793007},{"text":"Yeah.","start":245.785,"end":246.285,"sentiment":"neutral","sentiment_score":-0.04896537587046623},{"text":"So it's always good assess if you can get better rates and anything like that, especially as the property prices do go up, and I imagine your property has gone up quite a bit in the last four to five years as well.","start":246.905,"end":259.56,"sentiment":"positive","sentiment_score":0.48425508030625275},{"text":"So it's definitely worth revisiting if you are, you know, happy to do that.","start":260.82,"end":265.295,"sentiment":"positive","sentiment_score":0.6976210943290165}],"sentiment":"positive","sentiment_score":0.3724306602750651,"num_words":88,"start":234.265,"end":265.295},{"sentences":[{"text":"And it's always, like, a free review with the the lender anyway to see what the rates would be like.","start":265.355,"end":271.135,"sentiment":"positive","sentiment_score":0.48849516212940214},{"text":"And then you can always assess, well, you know, if you wanna change or not depending on what the the rates and the banks would be.","start":271.27502,"end":279.57,"sentiment":"positive","sentiment_score":0.3340338927048903},{"text":"So are you happy for me to pass on your email and phone number for them to give you a quick call about having a bit of a lending discussion with you?","start":279.63,"end":289.875,"sentiment":"positive","sentiment_score":0.4744007857516408},{"text":"Yeah.","start":292.115,"end":292.615,"sentiment":"neutral","sentiment_score":0.07456076890230179},{"text":"Yeah.","start":307.01,"end":307.51,"sentiment":"neutral","sentiment_score":-0.018018247559666634}],"sentiment":"positive","sentiment_score":0.42115190147887915,"num_words":80,"start":265.355,"end":307.51},{"sentences":[{"text":"Yeah.","start":310.21002,"end":310.53003,"sentiment":"neutral","sentiment_score":-0.0015420392155647278},{"text":"No.","start":310.53003,"end":310.85,"sentiment":"neutral","sentiment_score":-0.04459070414304733},{"text":"It would depend, I guess, what the purpose is.","start":310.85,"end":314.29,"sentiment":"neutral","sentiment_score":-0.019075909422503576},{"text":"You could potentially consolidate both and change through something else if it's gonna give you the best rate.","start":314.29,"end":321.375,"sentiment":"neutral","sentiment_score":0.10729789444141918},{"text":"Now typically, we do see it just depends on what the rates and stuff like that and if you get anything else.","start":321.755,"end":326.555,"sentiment":"neutral","sentiment_score":0.05558719384399327}],"sentiment":"neutral","sentiment_score":0.057577734046122604,"num_words":51,"start":310.21002,"end":326.555},{"sentences":[{"text":"But but often, we see people have your mortgage and your everyday bank with the same bank because you very much can have that offset account attached to it if that's something that you want.","start":326.555,"end":339.44,"sentiment":"neutral","sentiment_score":0.17444030067750385},{"text":"Because, obviously, the interest that you would typically earn on your everyday savings account is a lot lower than, typically, obviously, what you would earn back on the interest in offset account.","start":339.44,"end":350.785,"sentiment":"neutral","sentiment_score":0.2195559728424996},{"text":"So very often, if your goal is to just to kind of, you know, keep keep saving, but also wanting to focus on offsetting that interest, having an offset account is great.","start":351.245,"end":361.05,"sentiment":"positive","sentiment_score":0.3467703713104129},{"text":"And most banks nowadays do have that you can add an offset account to it.","start":362.63,"end":369.29,"sentiment":"neutral","sentiment_score":0.2229574223359426},{"text":"So a lot of the banks do have an offset account and with the lender as well.","start":370.15,"end":374.805,"sentiment":"neutral","sentiment_score":0.27895388007164}],"sentiment":"neutral","sentiment_score":0.24667504452567063,"num_words":131,"start":326.555,"end":374.805},{"sentences":[{"text":"I can let them know that you are interested in an offset account as well attached towards them.","start":375.26498,"end":380.305,"sentiment":"positive","sentiment_score":0.3454759609368112},{"text":"They can search all the banks that would be, you know, willing to look at refinancing, what the rates are going to be like, what the repayments are going to be like, the fees and stuff like that that do have an offset account attached to it.","start":380.305,"end":395.19,"sentiment":"neutral","sentiment_score":0.1323014642805495},{"text":"And they can let you know.","start":395.41,"end":397.19,"sentiment":"neutral","sentiment_score":0.23645681391159692},{"text":"Yeah.","start":410.005,"end":410.505,"sentiment":"positive","sentiment_score":0.4718407988548279},{"text":"It would just come down to as well if you if you are wanting the lowest interest rate or if you want, like, the ease and stuff of things.","start":410.64502,"end":419.0,"sentiment":"positive","sentiment_score":0.4462569325134672}],"sentiment":"neutral","sentiment_score":0.2699878103293405,"num_words":101,"start":375.26498,"end":419.0},{"sentences":[{"text":"Because sometimes you can have, you know, other banks that might not be as big as, you know, your Commonwealth or or ANZ, more like your your online banks, like even like ING and other ones where they can give you a lower interest rate.","start":419.46002,"end":434.165,"sentiment":"neutral","sentiment_score":0.22577990806765028},{"text":"You can still have offsets and stuff like that attached to it.","start":434.225,"end":437.125,"sentiment":"neutral","sentiment_score":0.19271578018863997},{"text":"So it just depends on what's more important to you.","start":437.425,"end":439.61,"sentiment":"neutral","sentiment_score":0.15705024898052217},{"text":"If if the goal is to we'll lower your repayment to still have an offset account, they can do that research because we're I'm not a lender, so I can't do that.","start":439.61,"end":449.78998,"sentiment":"neutral","sentiment_score":0.09739158651791513},{"text":"They can then kind of research the best option for you.","start":450.65,"end":454.465,"sentiment":"neutral","sentiment_score":0.2636904879049821}],"sentiment":"neutral","sentiment_score":0.1823664895512841,"num_words":110,"start":419.46002,"end":454.465},{"sentences":[{"text":"They they will give you a proposal, and then you can see as well where it fits.","start":454.84497,"end":459.72498,"sentiment":"positive","sentiment_score":0.34408366504837484},{"text":"And you can even say, hey.","start":459.72498,"end":461.26498,"sentiment":"neutral","sentiment_score":0.30570176243782043},{"text":"I would like you to consider the banks that you currently have and compare that and get other options.","start":461.405,"end":468.12,"sentiment":"neutral","sentiment_score":0.30619493911140844},{"text":"And then you can see, well, how much is that going to cost, what interest rate did they offer you versus, like, another bank.","start":468.12,"end":475.74,"sentiment":"neutral","sentiment_score":0.13000421427811185},{"text":"Yeah.","start":480.19998,"end":480.495,"sentiment":"neutral","sentiment_score":0.26716524362564087}],"sentiment":"neutral","sentiment_score":0.25206870313233404,"num_words":67,"start":454.84497,"end":480.495},{"sentences":[{"text":"And if anything, they'll do the research.","start":480.655,"end":482.495,"sentiment":"neutral","sentiment_score":0.26348565093108584},{"text":"They'll put a proposal together for you, and then you can decide if you read it and you go, you know what?","start":482.495,"end":487.615,"sentiment":"neutral","sentiment_score":0.23916386338797482},{"text":"It's not a big difference.","start":487.615,"end":488.735,"sentiment":"neutral","sentiment_score":0.16251733899116516},{"text":"I very much prefer the East because I already have that bank.","start":488.735,"end":491.955,"sentiment":"positive","sentiment_score":0.5347346067428589},{"text":"Then they can obviously look at changing that mortgage for you anyway.","start":492.01498,"end":495.11002,"sentiment":"neutral","sentiment_score":0.3274439936503768}],"sentiment":"neutral","sentiment_score":0.314909214667719,"num_words":58,"start":480.655,"end":495.11002},{"sentences":[{"text":"Or if there's another bank that you can combine the the two into another loan with another bank, they then can obviously assist you with that as well to make it easier for you.","start":495.25,"end":504.55002,"sentiment":"neutral","sentiment_score":0.299416918964947},{"text":"Yeah.","start":506.21002,"end":506.415,"sentiment":"neutral","sentiment_score":0.11628565192222597},{"text":"Does that make sense, Matthew?","start":506.975,"end":508.355,"sentiment":"neutral","sentiment_score":0.11891750097274781},{"text":"Yeah.","start":510.17502,"end":510.67502,"sentiment":"neutral","sentiment_score":-0.07942907512187958},{"text":"It it does get a bit messy, and we can I can kind of only give you the general side of it because I'm not a lender?","start":511.295,"end":517.795,"sentiment":"neutral","sentiment_score":-0.17385438360549785}],"sentiment":"neutral","sentiment_score":0.08996398484005648,"num_words":68,"start":495.25,"end":517.795},{"sentences":[{"text":"But I can definitely provide all this information through a mortgage broker that we work with.","start":518.41504,"end":524.37,"sentiment":"positive","sentiment_score":0.4079400319606066},{"text":"And if you're happy to, I can get them to give you a call because they have, you know, a range of different banks that they work with.","start":524.58997,"end":531.17,"sentiment":"neutral","sentiment_score":0.31439725682139397},{"text":"And I'll let them know that you wanna compare against the one you at the moment as well to see where that sits and that you would like an offset account attached to it.","start":531.63,"end":539.805,"sentiment":"neutral","sentiment_score":0.2107892408967018},{"text":"And, also, kind of the ease of things is important, but, otherwise, obviously, getting a low interest rate is is, you know, great.","start":540.585,"end":548.20996,"sentiment":"positive","sentiment_score":0.4125284299902294},{"text":"Yep.","start":549.79,"end":550.29,"sentiment":"positive","sentiment_score":0.37498044967651367}],"sentiment":"neutral","sentiment_score":0.3172561983559646,"num_words":102,"start":518.41504,"end":550.29},{"sentences":[{"text":"Now do you have the best contact time that you would like them to give you a call?","start":551.23,"end":557.01,"sentiment":"neutral","sentiment_score":0.17392480621735254},{"text":"Yep.","start":559.79,"end":559.965,"sentiment":"neutral","sentiment_score":0.12131907790899275},{"text":"Okay.","start":561.965,"end":562.445,"sentiment":"neutral","sentiment_score":0.26321184635162354},{"text":"Perfect.","start":562.445,"end":562.945,"sentiment":"positive","sentiment_score":0.39550161361694336},{"text":"Now I do know that you're obviously in WA, so the time difference does make a little bit of of a difference, but I will still say as late as possible.","start":563.405,"end":572.065,"sentiment":"neutral","sentiment_score":0.04777378228402907}],"sentiment":"neutral","sentiment_score":0.10368589039605397,"num_words":52,"start":551.23,"end":572.065},{"sentences":[{"text":"Any day Monday through Friday or Thursday.","start":573.24506,"end":575.97003,"sentiment":"neutral","sentiment_score":0.04545236911092486},{"text":"I can ask them.","start":579.63,"end":580.59,"sentiment":"neutral","sentiment_score":-0.011140408460050821},{"text":"Sometimes they do, but often just kind of your standard business hours.","start":580.59,"end":584.77,"sentiment":"neutral","sentiment_score":-0.005229086459924777},{"text":"But sometimes they do, like, even after hours appointments and stuff to accommodate or or even early mornings, like, before you start work potentially depending on how early you do start work.","start":586.27,"end":598.255,"sentiment":"neutral","sentiment_score":0.08926580869592726},{"text":"I can always I'll send you an introduction email to to them as well so that you have their contact details, and then you can always obviously communicate with them if the time doesn't suit and that you do press that weekends if possible.","start":600.235,"end":614.26,"sentiment":"neutral","sentiment_score":0.16638345118950715}],"sentiment":"neutral","sentiment_score":0.1049316529598501,"num_words":99,"start":573.24506,"end":614.26},{"sentences":[{"text":"If not, as late as possible in the afternoon.","start":614.26,"end":616.875,"sentiment":"neutral","sentiment_score":-0.05324695921606488},{"text":"Yep.","start":619.095,"end":619.415,"sentiment":"neutral","sentiment_score":0.10675965249538422},{"text":"Perfect.","start":619.415,"end":619.915,"sentiment":"neutral","sentiment_score":0.2551049292087555},{"text":"I'm sorry.","start":620.13495,"end":620.45496,"sentiment":"neutral","sentiment_score":-0.14444977045059204},{"text":"You did say that you were happy for me to pass on your phone and email address so they can give you a 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needed?","start":630.25,"end":634.00995,"sentiment":"neutral","sentiment_score":0.24919227172027936},{"text":"Or was it mainly just in regards to see if you should move move your loan?","start":634.00995,"end":637.87,"sentiment":"neutral","sentiment_score":0.0605619054986164},{"text":"Yep.","start":638.41,"end":638.91,"sentiment":"neutral","sentiment_score":0.018095437437295914},{"text":"Yeah.","start":646.095,"end":646.33496,"sentiment":"neutral","sentiment_score":-0.010066131129860878},{"text":"Let me have a look here.","start":646.33496,"end":647.955,"sentiment":"neutral","sentiment_score":0.0033119387614230313}],"sentiment":"neutral","sentiment_score":0.10680018330791168,"num_words":35,"start":630.25,"end":647.955},{"sentences":[{"text":"Yes.","start":649.855,"end":650.33496,"sentiment":"neutral","sentiment_score":0.05102509632706642},{"text":"Your last one was in November, so it's definitely coming 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work?","start":726.505,"end":727.48505,"sentiment":"neutral","sentiment_score":0.016283814174433548},{"text":"Yeah.","start":732.265,"end":732.765,"sentiment":"neutral","sentiment_score":0.02312331274151802},{"text":"Yeah.","start":733.145,"end":733.385,"sentiment":"neutral","sentiment_score":0.022203344851732257}],"sentiment":"neutral","sentiment_score":-0.018511535004816122,"num_words":27,"start":706.835,"end":733.385},{"sentences":[{"text":"We do show at seven, so then six o'clock would be the latest, and that obviously with the time time difference would be 04:00 your time.","start":733.385,"end":741.12,"sentiment":"neutral","sentiment_score":0.018880605088690154},{"text":"So I'll book you in on Thursday, February 26, and that will be 04:00 your 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Hello? Yes. It is. Yeah. Good. How are you? Yeah. That's fine. That's fine. Matthew Hans. 9026 Bumby Pace, Armadale. Busy and hot. It's hot here. Yeah. Yeah. Something along those lines. Yeah. PNN Bank. Police and nurses. No. No. I think it would have been about four years ago, maybe, five years, something like that. It was right when the interest was really low, so I think it was about four years, something like that. Yeah. At that time, I got fixed rates. I was pretty lucky. I think I fixed it in for February. Yeah. So that was a bit of a miracle for four years or however long the last three years. Yeah. It must be at least five point something. Five points, whatever it is, six or I don't know. Something ridiculous. Yeah. It's not more. I mean, it could even be $6.50 even. $6.50, 700. I'm not sure. They all seem to be going up. What's left on it? I think what is left on it would be, like, $2.50, maybe? Maybe a little bit less? Okay. Yeah. Okay. Yeah. I think so. Yeah. Yes. Yeah. Yep. So I don't it would have been better to go with the the same bank that I'm already banking with? Because I know they do the offset account and things like that whereas the PNN Bank is just purely just me paying paying the mortgage off type of thing. There's there's no no nothing there. Okay. Yeah. Because I'm I'm with the Commonwealth, so I know that they they have the offset account. But, obviously, I mean, they're they're pretty good in terms of Internet banking and all those things. I do find them quite easy to use. Yeah. Right. Yeah. That would probably be the best way, I suppose. Okay. Yeah. Roughly. Yep. Yep. Yep. Yeah. Yeah. The late later the better for me because I'm working during the day. The late late is possible. Yeah. They don't do weekends, do they? Yeah. Yeah. Yeah. Yeah. Yeah. It's Candice. Yeah. Mainly to do with that. And I guess I think I'm probably due for, like, a review of the annual or three months review or whatever it is. I don't know. I haven't heard from anyone for a while. Might as well. Yeah. I need I need dialer slide. You just have to do it. Look at it. I mean, yeah. That's if that's the light as it'll go, that that that will have to work. Yeah. Yeah. Yeah. 04:00 my phone. Yeah. That should be okay. Yep. No problem. Okay. No problem. Okay. You too. Thank you very much. Alright. 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they're drilling the meter panel in front. Hello? Yes. It is. Yeah.\n\nGood. How are you? Yeah. That's fine. That's fine.\n\nMatthew Hans. 9026 Bumby Pace, Armadale. Busy and hot. It's hot here. Yeah.\n\nYeah. Something along those lines. Yeah. PNN Bank. Police and nurses.\n\nNo. No. I think it would have been about four years ago, maybe, five years, something like that. It was right when the interest was really low, so I think it was about four years, something like that. Yeah.\n\nAt that time, I got fixed rates. I was pretty lucky. I think I fixed it in for February. Yeah. So that was a bit of a miracle for four years or however long the last three years.\n\nYeah. It must be at least five point something. Five points, whatever it is, six or I don't know. Something ridiculous. Yeah.\n\nIt's not more. I mean, it could even be $6.50 even. $6.50, 700. I'm not sure. They all seem to be going up.\n\nWhat's left on it? I think what is left on it would be, like, $2.50, maybe? Maybe a little bit less? Okay. Yeah.\n\nOkay. Yeah. I think so. Yeah. Yes.\n\nYeah. Yep. So I don't it would have been better to go with the the same bank that I'm already banking with? Because I know they do the offset account and things like that whereas the PNN Bank is just purely just me paying paying the mortgage off type of thing. There's there's no no nothing there.\n\nOkay. Yeah. Because I'm I'm with the Commonwealth, so I know that they they have the offset account. But, obviously, I mean, they're they're pretty good in terms of Internet banking and all those things. I do find them quite easy to use.\n\nYeah. Right. Yeah. That would probably be the best way, I suppose. Okay.\n\nYeah. Roughly. Yep. Yep. Yep.\n\nYeah. Yeah. The late later the better for me because I'm working during the day. The late late is possible. Yeah.\n\nThey don't do weekends, do they? Yeah. Yeah. Yeah. Yeah.\n\nYeah. It's Candice. Yeah. Mainly to do with that. And I guess I think I'm probably due for, like, a review of the annual or three months review or whatever it is.\n\nI don't know. I haven't heard from anyone for a while. Might as well. Yeah. I need I need dialer slide.\n\nYou just have to do it. Look at it. I mean, yeah. That's if that's the light as it'll go, that that that will have to work. Yeah.\n\nYeah. Yeah. 04:00 my phone. Yeah. That should be okay.\n\nYep. No problem. Okay. No problem. Okay.\n\nYou too. Thank you very much. Alright. Bye.","paragraphs":[{"sentences":[{"text":"There's they're drilling the meter panel in front.","start":0.32,"end":2.24,"sentiment":"neutral","sentiment_score":0.007326216320507228},{"text":"Hello?","start":2.24,"end":2.74,"sentiment":"neutral","sentiment_score":0.029597297310829163},{"text":"Yes.","start":5.2799997,"end":5.44,"sentiment":"neutral","sentiment_score":0.1529540717601776},{"text":"It is.","start":5.44,"end":6.18,"sentiment":"neutral","sentiment_score":0.1296633780002594},{"text":"Yeah.","start":9.76,"end":10.0,"sentiment":"neutral","sentiment_score":0.1738862693309784}],"sentiment":"neutral","sentiment_score":0.051874932689735524,"num_words":13,"start":0.32,"end":10.0},{"sentences":[{"text":"Good.","start":10.0,"end":10.24,"sentiment":"neutral","sentiment_score":0.33192411065101624},{"text":"How are you?","start":10.24,"end":11.059999,"sentiment":"neutral","sentiment_score":0.21226526300112405},{"text":"Yeah.","start":16.785,"end":17.285,"sentiment":"neutral","sentiment_score":0.14280903339385986},{"text":"That's fine.","start":17.585,"end":21.445,"sentiment":"neutral","sentiment_score":0.17464414983987808},{"text":"That's fine.","start":27.98,"end":34.8,"sentiment":"neutral","sentiment_score":0.1401699334383011}],"sentiment":"neutral","sentiment_score":0.1934618999560674,"num_words":9,"start":10.0,"end":34.8},{"sentences":[{"text":"Matthew Hans.","start":37.18,"end":38.16,"sentiment":"neutral","sentiment_score":0.014226808212697506},{"text":"9026 Bumby Pace, Armadale.","start":38.22,"end":45.524998,"sentiment":"neutral","sentiment_score":0.01798788970336318},{"text":"Busy and hot.","start":45.825,"end":46.965,"sentiment":"neutral","sentiment_score":-0.04680445169409116},{"text":"It's hot here.","start":47.985,"end":49.045,"sentiment":"neutral","sentiment_score":-0.10442457534372807},{"text":"Yeah.","start":49.824997,"end":50.324997,"sentiment":"neutral","sentiment_score":-0.0008389446884393692}],"sentiment":"neutral","sentiment_score":-0.027240065427926872,"num_words":13,"start":37.18,"end":50.324997},{"sentences":[{"text":"Yeah.","start":68.51501,"end":68.755005,"sentiment":"neutral","sentiment_score":-0.013624101877212524},{"text":"Something along those lines.","start":68.755005,"end":69.955,"sentiment":"neutral","sentiment_score":-0.017055056057870388},{"text":"Yeah.","start":69.955,"end":70.455,"sentiment":"neutral","sentiment_score":0.005345218814909458},{"text":"PNN Bank.","start":77.635,"end":78.69501,"sentiment":"neutral","sentiment_score":-0.0021906509064137936},{"text":"Police and nurses.","start":79.15501,"end":80.215004,"sentiment":"neutral","sentiment_score":-0.0011535721520582836}],"sentiment":"neutral","sentiment_score":-0.007667375051162459,"num_words":11,"start":68.51501,"end":80.215004},{"sentences":[{"text":"No.","start":88.76,"end":89.08,"sentiment":"neutral","sentiment_score":-0.058508552610874176},{"text":"No.","start":89.08,"end":89.58,"sentiment":"neutral","sentiment_score":-0.062441471964120865},{"text":"I think it would have been about four years ago, maybe, five years, something like that.","start":91.96,"end":98.315,"sentiment":"neutral","sentiment_score":-0.05338629288598895},{"text":"It was right when the interest was really low, so I think it was about four years, something like that.","start":101.255,"end":106.66,"sentiment":"neutral","sentiment_score":-0.03842479730956257},{"text":"Yeah.","start":106.66,"end":107.16,"sentiment":"neutral","sentiment_score":0.0011187894269824028}],"sentiment":"neutral","sentiment_score":-0.04467968891064326,"num_words":39,"start":88.76,"end":107.16},{"sentences":[{"text":"At that time, I got fixed rates.","start":112.26,"end":113.78,"sentiment":"neutral","sentiment_score":-0.01032187630023275},{"text":"I was pretty lucky.","start":113.78,"end":114.58,"sentiment":"neutral","sentiment_score":0.07096036709845066},{"text":"I think I fixed it in for February.","start":114.58,"end":116.840004,"sentiment":"neutral","sentiment_score":0.04093608492985368},{"text":"Yeah.","start":118.835,"end":119.335,"sentiment":"neutral","sentiment_score":0.04968395084142685},{"text":"So that was a bit of a miracle for four years or however long the last three years.","start":119.555,"end":123.575,"sentiment":"neutral","sentiment_score":-0.09511172212660313}],"sentiment":"neutral","sentiment_score":-0.029559211413327017,"num_words":38,"start":112.26,"end":123.575},{"sentences":[{"text":"Yeah.","start":126.755,"end":127.255,"sentiment":"neutral","sentiment_score":-0.005812478717416525},{"text":"It must be at least five point something.","start":130.275,"end":132.535,"sentiment":"neutral","sentiment_score":-0.0463791498914361},{"text":"Five points, whatever it is, six or I don't know.","start":132.675,"end":135.48001,"sentiment":"neutral","sentiment_score":-0.05654007159173489},{"text":"Something ridiculous.","start":135.94,"end":136.76001,"sentiment":"neutral","sentiment_score":-0.12167633324861526},{"text":"Yeah.","start":144.26001,"end":144.58,"sentiment":"neutral","sentiment_score":-0.009684985503554344}],"sentiment":"neutral","sentiment_score":-0.05433109298941086,"num_words":22,"start":126.755,"end":144.58},{"sentences":[{"text":"It's not more.","start":144.58,"end":145.515,"sentiment":"neutral","sentiment_score":-0.07899474849303563},{"text":"I mean, it could even be $6.50 even.","start":148.955,"end":151.355,"sentiment":"neutral","sentiment_score":0.009333658032119274},{"text":"$6.50, 700.","start":151.355,"end":152.475,"sentiment":"neutral","sentiment_score":0.001151976641267538},{"text":"I'm not sure.","start":152.475,"end":153.115,"sentiment":"neutral","sentiment_score":-0.15803039073944092},{"text":"They all seem to be going up.","start":153.115,"end":154.575,"sentiment":"neutral","sentiment_score":-0.18332409858703613}],"sentiment":"neutral","sentiment_score":-0.08336395175074754,"num_words":23,"start":144.58,"end":154.575},{"sentences":[{"text":"What's left on it?","start":161.79999,"end":163.01999,"sentiment":"neutral","sentiment_score":-0.026861784048378468},{"text":"I think what is left on it would be, like, $2.50, maybe?","start":163.15999,"end":170.54,"sentiment":"neutral","sentiment_score":0.02623161751156052},{"text":"Maybe a little bit less?","start":170.68,"end":172.06,"sentiment":"neutral","sentiment_score":0.06580392345786094},{"text":"Okay.","start":201.83499,"end":202.33499,"sentiment":"neutral","sentiment_score":0.18618573248386383},{"text":"Yeah.","start":206.955,"end":207.455,"sentiment":"neutral","sentiment_score":0.07005442678928375}],"sentiment":"neutral","sentiment_score":0.03446052393511585,"num_words":23,"start":161.79999,"end":207.455},{"sentences":[{"text":"Okay.","start":221.11,"end":221.61,"sentiment":"neutral","sentiment_score":0.16441646218299866},{"text":"Yeah.","start":244.31,"end":244.62999,"sentiment":"neutral","sentiment_score":0.16251865029335022},{"text":"I think so.","start":244.62999,"end":245.34999,"sentiment":"neutral","sentiment_score":0.1761962374051412},{"text":"Yeah.","start":245.34999,"end":245.84999,"sentiment":"neutral","sentiment_score":0.1250162422657013},{"text":"Yes.","start":259.075,"end":259.575,"sentiment":"positive","sentiment_score":0.5428582429885864}],"sentiment":"neutral","sentiment_score":0.2176283299922943,"num_words":7,"start":221.11,"end":259.575},{"sentences":[{"text":"Yeah.","start":291.055,"end":291.555,"sentiment":"neutral","sentiment_score":0.06845938414335251},{"text":"Yep.","start":292.255,"end":292.655,"sentiment":"neutral","sentiment_score":0.08963170647621155},{"text":"So I don't it would have been better to go with the the same bank that I'm already banking with?","start":292.655,"end":298.14,"sentiment":"neutral","sentiment_score":-0.10803185626864434},{"text":"Because I know they do the offset account and things like that whereas the PNN Bank is just purely just me paying paying the mortgage off type of thing.","start":299.02002,"end":306.40002,"sentiment":"neutral","sentiment_score":-0.06854850863074434},{"text":"There's there's no no nothing there.","start":306.7,"end":309.92,"sentiment":"neutral","sentiment_score":-0.06197230269511541}],"sentiment":"neutral","sentiment_score":-0.07653134388097546,"num_words":57,"start":291.055,"end":309.92},{"sentences":[{"text":"Okay.","start":362.6,"end":363.1,"sentiment":"neutral","sentiment_score":0.2598848342895508},{"text":"Yeah.","start":395.45502,"end":395.77502,"sentiment":"neutral","sentiment_score":0.17656853795051575},{"text":"Because I'm I'm with the Commonwealth, so I know that they they have the offset account.","start":395.77502,"end":402.575,"sentiment":"neutral","sentiment_score":0.20918560959398746},{"text":"But, obviously, I mean, they're they're pretty good in terms of Internet banking and all those things.","start":402.575,"end":407.31,"sentiment":"positive","sentiment_score":0.5846149991540348},{"text":"I do find them quite easy to use.","start":407.79,"end":409.65,"sentiment":"positive","sentiment_score":0.7902675047516823}],"sentiment":"positive","sentiment_score":0.4661399569622306,"num_words":43,"start":362.6,"end":409.65},{"sentences":[{"text":"Yeah.","start":477.04498,"end":477.285,"sentiment":"neutral","sentiment_score":0.14369645714759827},{"text":"Right.","start":477.285,"end":477.685,"sentiment":"neutral","sentiment_score":0.18061044812202456},{"text":"Yeah.","start":477.685,"end":478.005,"sentiment":"neutral","sentiment_score":0.2212137132883072},{"text":"That would probably be the best way, I suppose.","start":478.005,"end":479.865,"sentiment":"positive","sentiment_score":0.3369019130865733},{"text":"Okay.","start":505.22,"end":505.72,"sentiment":"neutral","sentiment_score":0.1103064864873886}],"sentiment":"neutral","sentiment_score":0.28368802483265215,"num_words":13,"start":477.04498,"end":505.72},{"sentences":[{"text":"Yeah.","start":509.325,"end":509.805,"sentiment":"neutral","sentiment_score":-0.007434938102960587},{"text":"Roughly.","start":509.805,"end":510.305,"sentiment":"neutral","sentiment_score":-0.060287535190582275},{"text":"Yep.","start":518.445,"end":518.76,"sentiment":"neutral","sentiment_score":0.21324984729290009},{"text":"Yep.","start":531.56,"end":531.975,"sentiment":"neutral","sentiment_score":0.2095525711774826},{"text":"Yep.","start":535.815,"end":536.315,"sentiment":"neutral","sentiment_score":0.2066591829061508}],"sentiment":"neutral","sentiment_score":0.11234782561659813,"num_words":5,"start":509.325,"end":536.315},{"sentences":[{"text":"Yeah.","start":537.095,"end":537.595,"sentiment":"neutral","sentiment_score":0.11978556215763092},{"text":"Yeah.","start":544.14996,"end":544.64996,"sentiment":"positive","sentiment_score":0.3847692608833313},{"text":"The late later the better for me because I'm working during the day.","start":555.58997,"end":558.975,"sentiment":"neutral","sentiment_score":0.10867709036056812},{"text":"The late late is possible.","start":560.01495,"end":561.39496,"sentiment":"neutral","sentiment_score":0.13282642215490342},{"text":"Yeah.","start":576.95,"end":577.27,"sentiment":"neutral","sentiment_score":-0.018348408862948418}],"sentiment":"neutral","sentiment_score":0.12205431903047222,"num_words":21,"start":537.095,"end":577.27},{"sentences":[{"text":"They don't do weekends, do they?","start":577.27,"end":578.81,"sentiment":"neutral","sentiment_score":-0.0599373442431291},{"text":"Yeah.","start":584.39,"end":584.89,"sentiment":"neutral","sentiment_score":0.054975248873233795},{"text":"Yeah.","start":585.19,"end":585.615,"sentiment":"neutral","sentiment_score":0.06632476300001144},{"text":"Yeah.","start":618.20496,"end":618.70496,"sentiment":"neutral","sentiment_score":0.0873640924692154},{"text":"Yeah.","start":625.245,"end":625.565,"sentiment":"neutral","sentiment_score":0.197343185544014}],"sentiment":"neutral","sentiment_score":0.004638322442770007,"num_words":10,"start":577.27,"end":625.565},{"sentences":[{"text":"Yeah.","start":625.565,"end":625.805,"sentiment":"neutral","sentiment_score":0.17743104696273804},{"text":"It's Candice.","start":625.805,"end":626.34,"sentiment":"neutral","sentiment_score":0.18994959443807602},{"text":"Yeah.","start":635.78,"end":636.18005,"sentiment":"neutral","sentiment_score":0.07827039062976837},{"text":"Mainly to do with that.","start":636.18005,"end":637.46,"sentiment":"neutral","sentiment_score":0.07760037034749985},{"text":"And I guess I think I'm probably due for, like, a review of the annual or three months review or whatever it is.","start":637.46,"end":643.675,"sentiment":"neutral","sentiment_score":0.005328199745196363}],"sentiment":"neutral","sentiment_score":0.035817221010802314,"num_words":32,"start":625.565,"end":643.675},{"sentences":[{"text":"I don't know.","start":643.675,"end":644.075,"sentiment":"neutral","sentiment_score":-0.10977473109960556},{"text":"I haven't heard from anyone for a while.","start":644.075,"end":645.775,"sentiment":"neutral","sentiment_score":-0.2936698626726866},{"text":"Might as well.","start":659.85004,"end":660.75,"sentiment":"neutral","sentiment_score":0.0505651111404101},{"text":"Yeah.","start":664.33,"end":664.83,"sentiment":"neutral","sentiment_score":-0.005521899089217186},{"text":"I need I need dialer slide.","start":664.97003,"end":666.67004,"sentiment":"neutral","sentiment_score":-0.014294983043024937}],"sentiment":"neutral","sentiment_score":-0.12467997898125932,"num_words":21,"start":643.675,"end":666.67004},{"sentences":[{"text":"You just have to do it.","start":677.305,"end":678.60504,"sentiment":"neutral","sentiment_score":0.025477913208305836},{"text":"Look at it.","start":696.83496,"end":702.055,"sentiment":"neutral","sentiment_score":-0.003990236669778823},{"text":"I mean, yeah.","start":727.675,"end":728.315,"sentiment":"neutral","sentiment_score":-0.01987042681624492},{"text":"That's if that's the light as it'll go, that that that will have to work.","start":728.315,"end":731.85504,"sentiment":"neutral","sentiment_score":-0.02506059656540553},{"text":"Yeah.","start":735.675,"end":736.11,"sentiment":"neutral","sentiment_score":0.021407844498753548}],"sentiment":"neutral","sentiment_score":-0.0097577005425202,"num_words":28,"start":677.305,"end":736.11},{"sentences":[{"text":"Yeah.","start":737.79,"end":738.29,"sentiment":"neutral","sentiment_score":0.027921048924326897},{"text":"Yeah.","start":740.02997,"end":740.52997,"sentiment":"neutral","sentiment_score":0.03896532952785492},{"text":"04:00 my phone.","start":751.85504,"end":752.895,"sentiment":"neutral","sentiment_score":0.017216115879515808},{"text":"Yeah.","start":752.895,"end":753.055,"sentiment":"neutral","sentiment_score":0.08189281821250916},{"text":"That should be okay.","start":753.055,"end":754.03503,"sentiment":"neutral","sentiment_score":0.11923351511359215}],"sentiment":"neutral","sentiment_score":0.0677361604757607,"num_words":10,"start":737.79,"end":754.03503},{"sentences":[{"text":"Yep.","start":762.735,"end":763.235,"sentiment":"neutral","sentiment_score":0.026499271392822266},{"text":"No problem.","start":763.295,"end":763.86,"sentiment":"neutral","sentiment_score":0.30518384277820587},{"text":"Okay.","start":774.5,"end":774.98,"sentiment":"neutral","sentiment_score":0.2422522604465485},{"text":"No problem.","start":774.98,"end":775.5809,"sentiment":"positive","sentiment_score":0.39675088226795197},{"text":"Okay.","start":777.18085,"end":777.68085,"sentiment":"positive","sentiment_score":0.3766329288482666}],"sentiment":"neutral","sentiment_score":0.29275055868285044,"num_words":7,"start":762.735,"end":777.68085},{"sentences":[{"text":"You too.","start":778.70087,"end":779.18085,"sentiment":"positive","sentiment_score":0.6155850291252136},{"text":"Thank you very much.","start":779.18085,"end":780.1609,"sentiment":"positive","sentiment_score":0.8432818204164505},{"text":"Alright.","start":781.0209,"end":781.4209,"sentiment":"neutral","sentiment_score":0.2959192395210266},{"text":"Bye.","start":781.4209,"end":781.9209,"sentiment":"neutral","sentiment_score":-0.11721546202898026}],"sentiment":"positive","sentiment_score":0.5978751396760345,"num_words":8,"start":778.70087,"end":781.9209}]}}]}],"paragraphs":{"transcript":"\nChannel 1: There's they're drilling the meter panel in front. Hello?\n\nChannel 0: Good afternoon. This is Matthew.\n\nChannel 1: Yes. It is.\n\nChannel 0: This is Veronica from XQ Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good. How are you?\n\nChannel 0: Yeah. I'm good. Thanks. I had you booked in for a quick catch Is now still a good time for you?\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep. Perfect. Now just before I do\n\nChannel 1: fine.\n\nChannel 0: go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: That's\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name,\n\nChannel 1: fine.\n\nChannel 0: date of birth, and address for me, please?\n\nChannel 1: Matthew Hans. 9026 Bumby Pace,\n\nChannel 0: Yeah. Perfect. And how's your day been so far? Been busy?\n\nChannel 1: Armadale. Busy and hot.\n\nChannel 0: I\n\nChannel 1: It's\n\nChannel 0: can't\n\nChannel 1: hot\n\nChannel 0: imagine.\n\nChannel 1: here. Yeah.\n\nChannel 0: Yeah. Well, I will try not to keep you for too long. I essentially just had you booked in. I know you spoke to my colleague Samantha a bit earlier today about potentially wanting to look at if you should change your loan or restructure things with lending side. Is that correct?\n\nChannel 1: Yeah. Something along those lines. Yeah.\n\nChannel 0: So I understand at the moment that you have your mortgage with WA\n\nChannel 1: PNN Bank.\n\nChannel 0: Bank.\n\nChannel 1: Police\n\nChannel 0: PNN\n\nChannel 1: and nurses.\n\nChannel 0: Bank. Yep. Perfect. And when was it that you have you ever refinanced your home,\n\nChannel 1: No.\n\nChannel 0: or when\n\nChannel 1: No.\n\nChannel 0: was it that no? And when was it that you took out your\n\nChannel 1: I\n\nChannel 0: loan?\n\nChannel 1: think it would have been about four years ago, maybe, five years, something like that.\n\nChannel 0: Okay.\n\nChannel 1: It\n\nChannel 0: And\n\nChannel 1: was right\n\nChannel 0: at the\n\nChannel 1: when the interest was really low, so I think it was about four years, something like\n\nChannel 0: okay.\n\nChannel 1: that. Yeah.\n\nChannel 0: And did you, at the time, select a variable rate or fixed rate? Do you know?\n\nChannel 1: At that time, I got fixed rates. I was pretty lucky. I think I fixed it in for February.\n\nChannel 0: Oh, very good.\n\nChannel 1: Yeah.\n\nChannel 0: But has\n\nChannel 1: So that\n\nChannel 0: that\n\nChannel 1: was a\n\nChannel 0: has\n\nChannel 1: bit of\n\nChannel 0: it\n\nChannel 1: a miracle for four years or however long the last three years.\n\nChannel 0: yeah. And has that moved over now to variable\n\nChannel 1: Yeah.\n\nChannel 0: rates? Yeah. And do you know what it is at the moment?\n\nChannel 1: It must be at least five point something. Five points, whatever it is, six or I don't know.\n\nChannel 0: Yeah.\n\nChannel 1: Something\n\nChannel 0: Around\n\nChannel 1: ridiculous.\n\nChannel 0: that. Yeah. Now I have here that your property is valid about 600,000 as well at the moment. Is that right?\n\nChannel 1: Yeah. It's not more.\n\nChannel 0: Yeah. How much would you reckon?\n\nChannel 1: I mean, it could even be $6.50 even. $6.50,\n\nChannel 0: Okay.\n\nChannel 1: 700. I'm not sure. They all seem to be going up.\n\nChannel 0: Yeah. No. Very much sorry. And loan about $2.65?\n\nChannel 1: What's left on it? I\n\nChannel 0: Yes.\n\nChannel 1: think what is left on it would be, like, $2.50,\n\nChannel 0: About $2.50. Okay.\n\nChannel 1: maybe?\n\nChannel 0: Perfect.\n\nChannel 1: Maybe a little\n\nChannel 0: Yep.\n\nChannel 1: bit less?\n\nChannel 0: And it is always really good to to refinance as long as you're kind of you know, your goal is not to just reduce that mortgage as as quickly as possible and just be completely debt free. But for most of the time because, obviously, if you take out a a new loan, then it can obviously be that thirty years unless you choose a shorter one. But but often, it is very much worth reviewing. I always suggest having a look at refinance even every single year, especially\n\nChannel 1: Okay.\n\nChannel 0: because your property tend to go up in value, your\n\nChannel 1: Yeah.\n\nChannel 0: loan decreases. So then the interest rate you can get on the loan to value ratio, you can go lower. So you can potentially access lower interest rates because you're borrowing less against equity, if that makes sense.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So it's always really good to review because, typically, obviously, because if something were to happen, the bank will go like, okay. Well, we we have more equity in the property, so your house is worth more. So in a percentage of how much you owe of the property is a lot less now than it was when you took out the loan. Does that make sense?\n\nChannel 1: Yeah. I think so. Yeah.\n\nChannel 0: Yeah. So it's always good assess if you can get better rates and anything like that, especially as the property prices do go up, and I imagine your property has gone up quite a bit in the last four to five years as well.\n\nChannel 1: Yes.\n\nChannel 0: So it's definitely worth revisiting if you are, you know, happy to do that. And it's always, like, a free review with the the lender anyway to see what the rates would be like. And then you can always assess, well, you know, if you wanna change or not depending on what the the rates and the banks would be. So are you happy for me to pass on your email and phone number for them to give you a quick call about having a bit of a lending discussion with you?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. So I don't it would have been better to go with the the same bank that I'm already banking with? Because I know they do the offset account and things like that whereas the PNN Bank is just purely just me paying paying the mortgage off type of thing. There's\n\nChannel 0: Yeah.\n\nChannel 1: there's no no nothing there.\n\nChannel 0: Yeah. No. It would depend, I guess, what the purpose is. You could potentially consolidate both and change through something else if it's gonna give you the best rate. Now typically, we do see it just depends on what the rates and stuff like that and if you get anything else.\n\nBut but often, we see people have your mortgage and your everyday bank with the same bank because you very much can have that offset account attached to it if that's something that you want. Because, obviously, the interest that you would typically earn on your everyday savings account is a lot lower than, typically, obviously, what you would earn back on the interest in offset account. So very often, if your goal is to just to kind of, you know, keep keep saving, but also wanting to focus on offsetting that interest, having an offset account is great.\n\nChannel 1: Okay.\n\nChannel 0: And most banks nowadays do have that you can add an offset account to it. So a lot of the banks do have an offset account and with the lender as well. I can let them know that you are interested in an offset account as well attached towards them. They can search all the banks that would be, you know, willing to look at refinancing, what the rates are going to be like, what the repayments are going to be like, the fees and stuff like that that do have an offset account attached to it. And\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: Because\n\nChannel 0: can let\n\nChannel 1: I'm\n\nChannel 0: you know.\n\nChannel 1: I'm with the Commonwealth, so I know that they they have the offset account. But, obviously, I mean, they're they're pretty good in terms of Internet banking and all those things. I do find them quite easy to use.\n\nChannel 0: Yeah. It would just come down to as well if you if you are wanting the lowest interest rate or if you want, like, the ease and stuff of things. Because sometimes you can have, you know, other banks that might not be as big as, you know, your Commonwealth or or ANZ, more like your your online banks, like even like ING and other ones where they can give you a lower interest rate. You can still have offsets and stuff like that attached to it. So it just depends on what's more important to you.\n\nIf if the goal is to we'll lower your repayment to still have an offset account, they can do that research because we're I'm not a lender, so I can't do that. They can then kind of research the best option for you. They they will give you a proposal, and then you can see as well where it fits. And you can even say, hey. I would like you to consider the banks that you currently have and compare that and get other options.\n\nAnd then you can see, well, how much is that going to cost, what interest rate did they offer you versus, like, another bank.\n\nChannel 1: Yeah. Right. Yeah. That would probably be the best way, I suppose.\n\nChannel 0: Yeah. And if anything, they'll do the research. They'll put a proposal together for you, and then you can decide if you read it and you go, you know what? It's not a big difference. I very much prefer the East because I already have that bank.\n\nThen they can obviously look at changing that mortgage for you anyway. Or if there's another bank that you can combine the the two into another loan with another bank, they then can obviously assist you with that as well to make it easier for you.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Does that make sense, Matthew?\n\nChannel 1: Yeah. Roughly.\n\nChannel 0: Yeah. It it does get a bit messy, and we can I can kind of only give you the general side of it because I'm not a lender? But\n\nChannel 1: Yep.\n\nChannel 0: I can definitely provide all this information through a mortgage broker that we work with. And if you're happy to, I can get them to give you a call because they have, you know, a range of different banks that they work with.\n\nChannel 1: Yep.\n\nChannel 0: And I'll let them know that you wanna compare against the one you at the moment as well to see\n\nChannel 1: Yep.\n\nChannel 0: where that sits and that\n\nChannel 1: Yeah.\n\nChannel 0: you would like an offset account attached to it. And, also, kind of the ease of things is important, but, otherwise,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, getting a low interest rate is is, you know, great. Yep. Now do you have the best contact time that you would like them\n\nChannel 1: The\n\nChannel 0: to\n\nChannel 1: late\n\nChannel 0: give you\n\nChannel 1: later\n\nChannel 0: a\n\nChannel 1: the\n\nChannel 0: call?\n\nChannel 1: better for me because I'm working during the day.\n\nChannel 0: Yep.\n\nChannel 1: The late late is possible.\n\nChannel 0: Okay. Perfect. Now I do know that you're obviously in WA, so the time difference does make a little bit of of a difference, but I will still say as late as possible. Any day Monday through Friday or Thursday.\n\nChannel 1: Yeah. They don't do weekends, do they?\n\nChannel 0: I can ask them. Sometimes they do, but often just kind of your standard business hours.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But sometimes they do, like, even after hours appointments and stuff to accommodate or or even early mornings, like, before you start work potentially depending on how early you do start work. I can always I'll send you an introduction email to to them as well so that you have their contact details, and then you can always obviously communicate with them if the time doesn't suit and that you do press that weekends if possible. If not, as late as possible in the afternoon.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. I'm sorry. You did say that you were happy for me to pass on your phone and email address so they can give you a call?\n\nChannel 1: Yeah. Yeah. It's Candice.\n\nChannel 0: Yep. Yep. Okay. Great. Perfect.\n\nWas there any other questions or anything else that you needed? Or was it mainly just in regards to see if\n\nChannel 1: Yeah.\n\nChannel 0: you should\n\nChannel 1: Mainly to\n\nChannel 0: move\n\nChannel 1: do\n\nChannel 0: move\n\nChannel 1: with that.\n\nChannel 0: your loan?\n\nChannel 1: And I guess I think I'm\n\nChannel 0: Yep.\n\nChannel 1: probably due for, like, a review of the annual or three months review or whatever it is. I don't know. I haven't heard from anyone for a while.\n\nChannel 0: Yeah. Let me have a look here. Yes. Your last one was in November, so it's definitely coming up. Would you like me to schedule you in while I have you on the phone?\n\nChannel 1: Might as well.\n\nChannel 0: Yep. Okay. And you said you prefer late afternoon?\n\nChannel 1: Yeah. I need I need dialer slide.\n\nChannel 0: Yep. Okay. Let me have a look here for you.\n\nChannel 1: You just have to do it.\n\nChannel 0: Let me see. I could do next Thursday, is the twenty sixth, and the latest I could probably do let's see here. Would be\n\nChannel 1: Look at\n\nChannel 0: Actually, let me see. That's five.\n\nChannel 1: it.\n\nChannel 0: I thought that's 03:00 your time. It's probably a bit too early. Just bear with me. I can probably I can do 06:00, which will be 04:00 your time, on Thursday, the twenty sixth. Would that work?\n\nChannel 1: I mean, yeah. That's if that's the light as it'll go, that that that will have to work.\n\nChannel 0: Yeah. Yeah. We do show at seven, so then six\n\nChannel 1: Yeah.\n\nChannel 0: o'clock would be the latest, and that obviously\n\nChannel 1: Yeah.\n\nChannel 0: with the time time difference would be 04:00\n\nChannel 1: Yeah.\n\nChannel 0: your time. So I'll book you in on Thursday, February 26, and that will be 04:00 your time.\n\nChannel 1: 04:00 my phone. Yeah. That should be\n\nChannel 0: Yep.\n\nChannel 1: okay.\n\nChannel 0: Yep. Okay. If anything changes, though, you can't make it, you know, just just give us a call or send us an email or anything, or we can always see if we can reshuffle it for you.\n\nChannel 1: Yep. No problem.\n\nChannel 0: Yep. No problem. And keep a lookout for that email as well. I'll get the lender through to give you a call well to have a look at reviewing all your mortgage and everything and see how we can help you.\n\nChannel 1: Okay. No problem.\n\nChannel 0: No problem at all, Matthew. I hope\n\nChannel 1: Okay.\n\nChannel 0: you have a lovely afternoon.\n\nChannel 1: You too. Thank you very much.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Alright. Bye.","paragraphs":[{"sentences":[{"text":"There's they're drilling the meter panel in front.","start":0.32,"end":2.24,"sentiment":"neutral","sentiment_score":0.007326216320507228},{"text":"Hello?","start":2.24,"end":2.74,"sentiment":"neutral","sentiment_score":0.029597297310829163}],"sentiment":"neutral","sentiment_score":0.009800780874987444,"channel":1,"num_words":9,"start":0.32,"end":2.74},{"sentences":[{"text":"Good afternoon.","start":3.4399998,"end":4.16,"sentiment":"neutral","sentiment_score":0.23913472890853882},{"text":"This is Matthew.","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.15164402623971304}],"sentiment":"neutral","sentiment_score":0.18664030730724335,"channel":0,"num_words":5,"start":3.4399998,"end":4.98},{"sentences":[{"text":"Yes.","start":5.2799997,"end":5.44,"sentiment":"neutral","sentiment_score":0.1529540717601776},{"text":"It 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I will try not to keep you for too long.","start":50.885002,"end":53.705,"sentiment":"neutral","sentiment_score":-0.12236881052905862},{"text":"I essentially just had you booked in.","start":54.085,"end":55.765,"sentiment":"neutral","sentiment_score":-0.07025613529341561},{"text":"I know you spoke to my colleague Samantha a bit earlier today about potentially wanting to look at if you should change your loan or restructure things with lending side.","start":55.765,"end":67.409996,"sentiment":"neutral","sentiment_score":-0.052526635800798735},{"text":"Is that correct?","start":67.409996,"end":68.31,"sentiment":"neutral","sentiment_score":0.0066147831579049425}],"sentiment":"neutral","sentiment_score":-0.06530792287622507,"channel":0,"num_words":52,"start":49.845,"end":68.31},{"sentences":[{"text":"Yeah.","start":68.51501,"end":68.755005,"sentiment":"neutral","sentiment_score":-0.013624101877212524},{"text":"Something along those 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be at least five point something.","start":130.275,"end":132.535,"sentiment":"neutral","sentiment_score":-0.0463791498914361},{"text":"Five points, whatever it is, six or I don't 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I have here that your property is valid about 600,000 as well at the moment.","start":139.1,"end":143.66,"sentiment":"neutral","sentiment_score":0.09824469638988376},{"text":"Is that right?","start":143.66,"end":144.48,"sentiment":"neutral","sentiment_score":0.07687871033946674}],"sentiment":"neutral","sentiment_score":0.08644451679927963,"channel":0,"num_words":21,"start":136.505,"end":144.48},{"sentences":[{"text":"Yeah.","start":144.26001,"end":144.58,"sentiment":"neutral","sentiment_score":-0.009684985503554344},{"text":"It's not more.","start":144.58,"end":145.515,"sentiment":"neutral","sentiment_score":-0.07899474849303563}],"sentiment":"neutral","sentiment_score":-0.06166730774566531,"channel":1,"num_words":4,"start":144.26001,"end":145.515},{"sentences":[{"text":"Yeah.","start":145.98,"end":146.46,"sentiment":"neutral","sentiment_score":0.029530830681324005},{"text":"How much would you 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proposal, and then you can see as well where it fits.","start":454.84497,"end":459.72498,"sentiment":"positive","sentiment_score":0.34408366504837484},{"text":"And you can even say, hey.","start":459.72498,"end":461.26498,"sentiment":"neutral","sentiment_score":0.30570176243782043},{"text":"I would like you to consider the banks that you currently have and compare that and get other options.","start":461.405,"end":468.12,"sentiment":"neutral","sentiment_score":0.30619493911140844}],"sentiment":"neutral","sentiment_score":0.22962897481287228,"channel":0,"num_words":85,"start":439.61,"end":468.12},{"sentences":[{"text":"And then you can see, well, how much is that going to cost, what interest rate did they offer you versus, like, another 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review of the annual or three months review or whatever it is.","start":638.5,"end":643.675,"sentiment":"neutral","sentiment_score":0.003027002162793103},{"text":"I don't know.","start":643.675,"end":644.075,"sentiment":"neutral","sentiment_score":-0.10977473109960556},{"text":"I haven't heard from anyone for a while.","start":644.075,"end":645.775,"sentiment":"neutral","sentiment_score":-0.2936698626726866}],"sentiment":"neutral","sentiment_score":-0.0938294306397438,"channel":1,"num_words":28,"start":638.5,"end":645.775},{"sentences":[{"text":"Yeah.","start":646.095,"end":646.33496,"sentiment":"neutral","sentiment_score":-0.010066131129860878},{"text":"Let me have a look here.","start":646.33496,"end":647.955,"sentiment":"neutral","sentiment_score":0.0033119387614230313},{"text":"Yes.","start":649.855,"end":650.33496,"sentiment":"neutral","sentiment_score":0.05102509632706642},{"text":"Your last one was in November, so it's definitely coming up.","start":650.33496,"end":656.095,"sentiment":"neutral","sentiment_score":0.06036388298327273},{"text":"Would you like me to schedule you in while I have you on the phone?","start":656.095,"end":659.81,"sentiment":"neutral","sentiment_score":0.06435711185137431}],"sentiment":"neutral","sentiment_score":0.0497114702456576,"channel":0,"num_words":34,"start":646.095,"end":659.81},{"sentences":[{"text":"Might as well.","start":659.85004,"end":660.75,"sentiment":"neutral","sentiment_score":0.0505651111404101}],"sentiment":"neutral","sentiment_score":0.0505651111404101,"channel":1,"num_words":3,"start":659.85004,"end":660.75},{"sentences":[{"text":"Yep.","start":661.07,"end":661.55,"sentiment":"neutral","sentiment_score":0.03542695939540863},{"text":"Okay.","start":661.55,"end":661.87,"sentiment":"neutral","sentiment_score":0.024067670106887817},{"text":"And you said you prefer late afternoon?","start":661.87,"end":664.37,"sentiment":"neutral","sentiment_score":0.009264633059501648}],"sentiment":"neutral","sentiment_score":0.013816340102089776,"channel":0,"num_words":9,"start":661.07,"end":664.37},{"sentences":[{"text":"Yeah.","start":664.33,"end":664.83,"sentiment":"neutral","sentiment_score":-0.005521899089217186},{"text":"I need I need dialer slide.","start":664.97003,"end":666.67004,"sentiment":"neutral","sentiment_score":-0.014294983043024937}],"sentiment":"neutral","sentiment_score":-0.013041685335338116,"channel":1,"num_words":7,"start":664.33,"end":666.67004},{"sentences":[{"text":"Yep.","start":667.23,"end":667.63,"sentiment":"neutral","sentiment_score":0.020557228475809097},{"text":"Okay.","start":667.63,"end":668.13,"sentiment":"neutral","sentiment_score":0.02590866945683956},{"text":"Let me have a look here for you.","start":668.99,"end":671.025,"sentiment":"neutral","sentiment_score":0.03189520025625825}],"sentiment":"neutral","sentiment_score":0.030162749998271465,"channel":0,"num_words":10,"start":667.23,"end":671.025},{"sentences":[{"text":"You just have to do it.","start":677.305,"end":678.60504,"sentiment":"neutral","sentiment_score":0.025477913208305836}],"sentiment":"neutral","sentiment_score":0.025477913208305836,"channel":1,"num_words":6,"start":677.305,"end":678.60504},{"sentences":[{"text":"Let me see.","start":679.825,"end":680.54504,"sentiment":"neutral","sentiment_score":0.018453361466526985},{"text":"I could do next Thursday, is the twenty sixth, and the latest I could probably do let's see here.","start":680.54504,"end":693.6,"sentiment":"neutral","sentiment_score":0.014722570973007302},{"text":"Would be","start":694.94,"end":695.58,"sentiment":"neutral","sentiment_score":0.004585529677569866}],"sentiment":"neutral","sentiment_score":0.01434416634341081,"channel":0,"num_words":24,"start":679.825,"end":695.58},{"sentences":[{"text":"Look at","start":696.83496,"end":697.575,"sentiment":"neutral","sentiment_score":0.0011609643697738647}],"sentiment":"neutral","sentiment_score":0.0011609643697738647,"channel":1,"num_words":2,"start":696.83496,"end":697.575},{"sentences":[{"text":"Actually, let me see.","start":700.515,"end":701.155,"sentiment":"neutral","sentiment_score":0.0007850331021472812},{"text":"That's five.","start":701.155,"end":701.715,"sentiment":"neutral","sentiment_score":-0.0112942298874259}],"sentiment":"neutral","sentiment_score":-0.0032413878943771124,"channel":0,"num_words":6,"start":700.515,"end":701.715},{"sentences":[{"text":"it.","start":701.555,"end":702.055,"sentiment":"neutral","sentiment_score":-0.0142926387488842}],"sentiment":"neutral","sentiment_score":-0.0142926387488842,"channel":1,"num_words":1,"start":701.555,"end":702.055},{"sentences":[{"text":"I thought that's 03:00 your time.","start":701.715,"end":703.23505,"sentiment":"neutral","sentiment_score":-0.06686059013009071},{"text":"It's probably a bit too early.","start":703.23505,"end":704.935,"sentiment":"neutral","sentiment_score":-0.17404829834898314},{"text":"Just bear with me.","start":706.835,"end":708.05505,"sentiment":"neutral","sentiment_score":-0.12147670239210129},{"text":"I can probably I can do 06:00, which will be 04:00 your time, on Thursday, the twenty sixth.","start":716.98,"end":726.125,"sentiment":"neutral","sentiment_score":-0.006004596426565614},{"text":"Would that work?","start":726.505,"end":727.48505,"sentiment":"neutral","sentiment_score":0.016283814174433548}],"sentiment":"neutral","sentiment_score":-0.05379976847561429,"channel":0,"num_words":37,"start":701.715,"end":727.48505},{"sentences":[{"text":"I mean, yeah.","start":727.675,"end":728.315,"sentiment":"neutral","sentiment_score":-0.01987042681624492},{"text":"That's if that's the light as it'll go, that that that will have to 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04:00","start":738.10504,"end":740.585,"sentiment":"neutral","sentiment_score":0.013609274057671428}],"sentiment":"neutral","sentiment_score":0.013609274057671428,"channel":0,"num_words":8,"start":738.10504,"end":740.585},{"sentences":[{"text":"Yeah.","start":740.02997,"end":740.52997,"sentiment":"neutral","sentiment_score":0.03896532952785492}],"sentiment":"neutral","sentiment_score":0.03896532952785492,"channel":1,"num_words":1,"start":740.02997,"end":740.52997},{"sentences":[{"text":"your time.","start":740.585,"end":741.12,"sentiment":"neutral","sentiment_score":0.032654814422130585},{"text":"So I'll book you in on Thursday, February 26, and that will be 04:00 your time.","start":743.2,"end":751.54,"sentiment":"neutral","sentiment_score":0.048358387080952525}],"sentiment":"neutral","sentiment_score":0.04661354567441675,"channel":0,"num_words":18,"start":740.585,"end":751.54},{"sentences":[{"text":"04:00 my phone.","start":751.85504,"end":752.895,"sentiment":"neutral","sentiment_score":0.017216115879515808},{"text":"Yeah.","start":752.895,"end":753.055,"sentiment":"neutral","sentiment_score":0.08189281821250916},{"text":"That should be","start":753.055,"end":753.53503,"sentiment":"neutral","sentiment_score":0.11890110373497009}],"sentiment":"neutral","sentiment_score":0.07003492529370955,"channel":1,"num_words":7,"start":751.85504,"end":753.53503},{"sentences":[{"text":"Yep.","start":753.52,"end":754.02,"sentiment":"neutral","sentiment_score":0.10678961873054504}],"sentiment":"neutral","sentiment_score":0.10678961873054504,"channel":0,"num_words":1,"start":753.52,"end":754.02},{"sentences":[{"text":"okay.","start":753.53503,"end":754.03503,"sentiment":"neutral","sentiment_score":0.12023074924945833}],"sentiment":"neutral","sentiment_score":0.12023074924945833,"channel":1,"num_words":1,"start":753.53503,"end":754.03503},{"sentences":[{"text":"Yep.","start":754.24,"end":754.56,"sentiment":"neutral","sentiment_score":0.07693769037723541},{"text":"Okay.","start":754.56,"end":754.8,"sentiment":"neutral","sentiment_score":0.03701472282409668},{"text":"If anything changes, though, you can't make it, you know, just just give us a call or send us an email or anything, or we can always see if we can reshuffle it for you.","start":754.8,"end":762.465,"sentiment":"neutral","sentiment_score":-0.004683527643127101}],"sentiment":"neutral","sentiment_score":-0.0013505690353544982,"channel":0,"num_words":37,"start":754.24,"end":762.465},{"sentences":[{"text":"Yep.","start":762.735,"end":763.235,"sentiment":"neutral","sentiment_score":0.026499271392822266},{"text":"No problem.","start":763.295,"end":763.86,"sentiment":"neutral","sentiment_score":0.30518384277820587}],"sentiment":"neutral","sentiment_score":0.21228898564974466,"channel":1,"num_words":3,"start":762.735,"end":763.86},{"sentences":[{"text":"Yep.","start":763.48505,"end":763.98505,"sentiment":"neutral","sentiment_score":0.23093950748443604},{"text":"No problem.","start":764.125,"end":764.685,"sentiment":"positive","sentiment_score":0.3759129196405411},{"text":"And keep a lookout for that email as well.","start":764.685,"end":766.445,"sentiment":"neutral","sentiment_score":0.28953418466779923},{"text":"I'll get the lender through to give you a call well to have a look at reviewing all your mortgage and everything and see how we can help you.","start":766.445,"end":774.19,"sentiment":"neutral","sentiment_score":0.3306170527277322}],"sentiment":"neutral","sentiment_score":0.321377257021462,"channel":0,"num_words":41,"start":763.48505,"end":774.19},{"sentences":[{"text":"Okay.","start":774.5,"end":774.98,"sentiment":"neutral","sentiment_score":0.2422522604465485},{"text":"No problem.","start":774.98,"end":775.5809,"sentiment":"positive","sentiment_score":0.39675088226795197}],"sentiment":"positive","sentiment_score":0.34525134166081745,"channel":1,"num_words":3,"start":774.5,"end":775.5809},{"sentences":[{"text":"No problem at all, Matthew.","start":775.93,"end":776.97,"sentiment":"positive","sentiment_score":0.50467449426651},{"text":"I 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much.","start":779.18085,"end":780.1609,"sentiment":"positive","sentiment_score":0.8432818204164505}],"sentiment":"positive","sentiment_score":0.7673828899860382,"channel":1,"num_words":6,"start":778.70087,"end":780.1609},{"sentences":[{"text":"Thanks.","start":780.17,"end":780.67,"sentiment":"positive","sentiment_score":0.7355126142501831},{"text":"Bye.","start":780.73,"end":781.23,"sentiment":"positive","sentiment_score":0.4605502784252167}],"sentiment":"positive","sentiment_score":0.5980314463376999,"channel":0,"num_words":2,"start":780.17,"end":781.23},{"sentences":[{"text":"Alright.","start":781.0209,"end":781.4209,"sentiment":"neutral","sentiment_score":0.2959192395210266},{"text":"Bye.","start":781.4209,"end":781.9209,"sentiment":"neutral","sentiment_score":-0.11721546202898026}],"sentiment":"neutral","sentiment_score":0.08935188874602318,"channel":1,"num_words":2,"start":781.0209,"end":781.9209}]},"summary":{"result":"success","short":"Representatives from XQ Financial speak with customers to confirm personal information and discuss potential options for refinancing their mortgage. They suggest consolidating with another bank and adding an offset account to daily savings accounts, as well as researching home refinance options and comparing rates with other banks. The agents provide call backs and scheduling appointments for follow-up discussions."},"intents":{"segments":[{"text":"Now just before I do fine. go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. That's Yep.","start_word":58,"end_word":91,"intents":[{"intent":"Inform about call recording","confidence_score":0.01534658}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, fine. date of birth, and address for me, please? Matthew Hans.","start_word":93,"end_word":121,"intents":[{"intent":"Confirm identity","confidence_score":0.7158282},{"intent":"Confirm identity","confidence_score":0.50406414},{"intent":"Confirm identity","confidence_score":0.57712215},{"intent":"Discuss personal financial history","confidence_score":0.0000028475622}]},{"text":"So I understand at the moment that you have your mortgage with WA PNN Bank. Bank.","start_word":205,"end_word":220,"intents":[{"intent":"Discuss mortgage origin","confidence_score":0.000044008004},{"intent":"Confirm loan details and loan date","confidence_score":4.884229e-8},{"intent":"Confirm bank details","confidence_score":0.0005892651}]},{"text":"It And was right at the when the interest was really low, so I think it was about four years, something like okay. that. Yeah.","start_word":275,"end_word":299,"intents":[{"intent":"Confirm interest rate","confidence_score":0.004282534}]},{"text":"So are you happy for me to pass on your email and phone number for them to give you a quick call about having a bit of a lending discussion with you? Yeah.","start_word":812,"end_word":844,"intents":[{"intent":"Offer assistance","confidence_score":0.009304088},{"intent":"Pass message","confidence_score":0.0013907447}]},{"text":"You could potentially consolidate both and change through something else if it's gonna give you the best rate.","start_word":914,"end_word":931,"intents":[{"intent":"Consolidate bank","confidence_score":0.045415677}]},{"text":"Because, obviously, the interest that you would typically earn on your everyday savings account is a lot lower than, typically, obviously, what you would earn back on the interest in offset account.","start_word":989,"end_word":1020,"intents":[{"intent":"Confirm interest","confidence_score":0.0025021215}]},{"text":"And most banks nowadays do have that you can add an offset account to it. So a lot of the banks do have an offset account and with the lender as well. I can let them know that you are interested in an offset account as well attached towards them.","start_word":1054,"end_word":1103,"intents":[{"intent":"Add offset account","confidence_score":0.22649066}]},{"text":"And you can even say, hey. I would like you to consider the banks that you currently have and compare that and get other options. And then you can see, well, how much is that going to cost, what interest rate did they offer you versus, like, another bank. Yeah.","start_word":1356,"end_word":1405,"intents":[{"intent":"Compare banks","confidence_score":0.051887047}]},{"text":"And I'll let them know that you wanna compare against the one you at the moment as well to see Yep. where that sits and that Yeah.","start_word":1593,"end_word":1619,"intents":[{"intent":"Compare mortgage rates","confidence_score":0.02270639}]},{"text":"You did say that you were happy for me to pass on your phone and email address so they can give you a call? Yeah. Yeah.","start_word":1847,"end_word":1872,"intents":[{"intent":"Schedule call","confidence_score":0.31526184}]}]},"sentiments":{"segments":[{"text":"There's they're drilling the meter panel in front. Hello? Good afternoon. This is Matthew. Yes. It is. This is Veronica from XQ Financial. How are you this afternoon? Yeah. Good. How are you?","start_word":0,"end_word":32,"sentiment":"neutral","sentiment_score":0.13323572278022766},{"text":"Yeah. I'm good. Thanks.","start_word":33,"end_word":36,"sentiment":"positive","sentiment_score":0.5266242623329163},{"text":"I had you booked in for a quick catch Is now still a good time for you? Yeah. That's Yep.","start_word":37,"end_word":56,"sentiment":"neutral","sentiment_score":0.27079713344573975},{"text":"Perfect.","start_word":57,"end_word":57,"sentiment":"positive","sentiment_score":0.4548300802707672},{"text":"Now just before I do fine. go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. That's Yep.","start_word":58,"end_word":91,"sentiment":"neutral","sentiment_score":0.10927502810955048},{"text":"Perfect.","start_word":92,"end_word":92,"sentiment":"positive","sentiment_score":0.35004276037216187},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, fine. date of birth, and address for me, please? Matthew Hans. 9026 Bumby Pace, Yeah. Perfect. And how's your day been so far? Been busy? Armadale. Busy and hot. I It's can't hot imagine. here. Yeah. Yeah. Well, I will try not to keep you for too long. I essentially just had you booked in. I know you spoke to my colleague Samantha a bit earlier today about potentially wanting to look at if you should change your loan or restructure things with lending side. Is that correct? Yeah. Something along those lines. Yeah. So I understand at the moment that you have your mortgage with WA PNN Bank. Bank. Police PNN and nurses. Bank. Yep. Perfect. And when was it that you have you ever refinanced your home, or No. when No. was it that no? And when was it that you took out your I loan? think it would have been about four years ago, maybe, five years, something like that. Okay. It And was right at the when the interest was really low, so I think it was about four years, something like okay. that. Yeah. And did you, at the time, select a variable rate or fixed rate? Do you know? At that time, I got fixed rates. I was pretty lucky. I think I fixed it in for February. Oh, very good. Yeah. But has So that that was a has bit of it a miracle for four years or however long the last three years. yeah. And has that moved over now to variable Yeah. rates? Yeah. And do you know what it is at the moment? It must be at least five point something. Five points, whatever it is, six or I don't know. Yeah. Something Around ridiculous. that. Yeah. Now I have here that your property is valid about 600,000 as well at the moment. Is that right? Yeah. It's not more. Yeah. How much would you reckon? I mean, it could even be $6.50 even. $6.50, Okay. 700. I'm not sure. They all seem to be going up. Yeah. No. Very much sorry. And loan about $2.65? What's left on it? I Yes. think what is left on it would be, like, $2.50, About $2.50. Okay. maybe? Perfect. Maybe a little Yep. bit less? And it is always really good to to refinance as long as you're kind of you know, your goal is not to just reduce that mortgage as as quickly as possible and just be completely debt free. But for most of the time because, obviously, if you take out a a new loan, then it can obviously be that thirty years unless you choose a shorter one. But but often, it is very much worth reviewing. I always suggest having a look at refinance even every single year, especially Okay. because your property tend to go up in value, your Yeah. loan decreases. So then the interest rate you can get on the loan to value ratio, you can go lower. So you can potentially access lower interest rates because you're borrowing less against equity, if that makes sense. Okay. Yeah. So it's always really good to review because, typically, obviously, because if something were to happen, the bank will go like, okay. Well, we we have more equity in the property, so your house is worth more. So in a percentage of how much you owe of the property is a lot less now than it was when you took out the loan. Does that make sense? Yeah. I think so. Yeah. Yeah.","start_word":93,"end_word":707,"sentiment":"neutral","sentiment_score":0.03636728295284074},{"text":"So it's always good assess if you can get better rates and anything like that, especially as the property prices do go up, and I imagine your property has gone up quite a bit in the last four to five years as well. Yes. So it's definitely worth revisiting if you are, you know, happy to do that. And it's always, like, a free review with the the lender anyway to see what the rates would be like. And then you can always assess, well, you know, if you wanna change or not depending on what the the rates and the banks would be. So are you happy for me to pass on your email and phone number for them to give you a quick call about having a bit of a lending discussion with you?","start_word":708,"end_word":843,"sentiment":"positive","sentiment_score":0.4848729074001312},{"text":"Yeah. Yeah. Yep. So I don't it would have been better to go with the the same bank that I'm already banking with? Because I know they do the offset account and things like that whereas the PNN Bank is just purely just me paying paying the mortgage off type of thing. There's Yeah. there's no no nothing there. Yeah. No. It would depend, I guess, what the purpose is. You could potentially consolidate both and change through something else if it's gonna give you the best rate. Now typically, we do see it just depends on what the rates and stuff like that and if you get anything else. But but often, we see people have your mortgage and your everyday bank with the same bank because you very much can have that offset account attached to it if that's something that you want. Because, obviously, the interest that you would typically earn on your everyday savings account is a lot lower than, typically, obviously, what you would earn back on the interest in offset account.","start_word":844,"end_word":1020,"sentiment":"neutral","sentiment_score":0.06608974933624268},{"text":"So very often, if your goal is to just to kind of, you know, keep keep saving, but also wanting to focus on offsetting that interest, having an offset account is great.","start_word":1021,"end_word":1052,"sentiment":"positive","sentiment_score":0.3438042104244232},{"text":"Okay. And most banks nowadays do have that you can add an offset account to it. So a lot of the banks do have an offset account and with the lender as well.","start_word":1053,"end_word":1085,"sentiment":"neutral","sentiment_score":0.25570324063301086},{"text":"I can let them know that you are interested in an offset account as well attached towards them.","start_word":1086,"end_word":1103,"sentiment":"positive","sentiment_score":0.3543374836444855},{"text":"They can search all the banks that would be, you know, willing to look at refinancing, what the rates are going to be like, what the repayments are going to be like, the fees and stuff like that that do have an offset account attached to it. And Yeah. they Because can let I'm you know. I'm with the Commonwealth, so I know that they they have the offset account.","start_word":1104,"end_word":1173,"sentiment":"neutral","sentiment_score":0.15844249725341797},{"text":"But, obviously, I mean, they're they're pretty good in terms of Internet banking and all those things. I do find them quite easy to use. Yeah. It would just come down to as well if you if you are wanting the lowest interest rate or if you want, like, the ease and stuff of things.","start_word":1174,"end_word":1228,"sentiment":"positive","sentiment_score":0.5304811596870422},{"text":"Because sometimes you can have, you know, other banks that might not be as big as, you know, your Commonwealth or or ANZ, more like your your online banks, like even like ING and other ones where they can give you a lower interest rate. You can still have offsets and stuff like that attached to it. So it just depends on what's more important to you. If if the goal is to we'll lower your repayment to still have an offset account, they can do that research because we're I'm not a lender, so I can't do that. They can then kind of research the best option for you.","start_word":1229,"end_word":1338,"sentiment":"neutral","sentiment_score":0.17588286101818085},{"text":"They they will give you a proposal, and then you can see as well where it fits.","start_word":1339,"end_word":1355,"sentiment":"positive","sentiment_score":0.3382449448108673},{"text":"And you can even say, hey. I would like you to consider the banks that you currently have and compare that and get other options. And then you can see, well, how much is that going to cost, what interest rate did they offer you versus, like, another bank. Yeah. Right. Yeah.","start_word":1356,"end_word":1407,"sentiment":"neutral","sentiment_score":0.2079748660326004},{"text":"That would probably be the best way, I suppose.","start_word":1408,"end_word":1416,"sentiment":"positive","sentiment_score":0.3409886360168457},{"text":"Yeah. And if anything, they'll do the research. They'll put a proposal together for you, and then you can decide if you read it and you go, you know what? It's not a big difference.","start_word":1417,"end_word":1451,"sentiment":"neutral","sentiment_score":0.23507265746593475},{"text":"I very much prefer the East because I already have that bank. Then they can obviously look at changing that mortgage for you anyway.","start_word":1452,"end_word":1475,"sentiment":"positive","sentiment_score":0.43645888566970825},{"text":"Or if there's another bank that you can combine the the two into another loan with another bank, they then can obviously assist you with that as well to make it easier for you. Okay. Yeah. Does that make sense, Matthew? Yeah. Roughly. Yeah. It it does get a bit messy, and we can I can kind of only give you the general side of it because I'm not a lender? But Yep.","start_word":1476,"end_word":1548,"sentiment":"neutral","sentiment_score":0.07483380287885666},{"text":"I can definitely provide all this information through a mortgage broker that we work with.","start_word":1549,"end_word":1563,"sentiment":"positive","sentiment_score":0.4349726736545563},{"text":"And if you're happy to, I can get them to give you a call because they have, you know, a range of different banks that they work with. Yep. And I'll let them know that you wanna compare against the one you at the moment as well to see Yep. where that sits and that Yeah. you would like an offset account attached to it. And, also, kind of the ease of things is important, but, otherwise, Yeah.","start_word":1564,"end_word":1641,"sentiment":"neutral","sentiment_score":0.2494879513978958},{"text":"obviously, getting a low interest rate is is, you know, great. Yep.","start_word":1642,"end_word":1653,"sentiment":"positive","sentiment_score":0.5795144438743591},{"text":"Now do you have the best contact time that you would like them The to late give you later a the call? better for me because I'm working during the day. Yep. The late late is possible. Okay.","start_word":1654,"end_word":1691,"sentiment":"neutral","sentiment_score":0.14290395379066467},{"text":"Perfect.","start_word":1692,"end_word":1692,"sentiment":"positive","sentiment_score":0.39550161361694336},{"text":"Now I do know that you're obviously in WA, so the time difference does make a little bit of of a difference, but I will still say as late as possible. Any day Monday through Friday or Thursday. Yeah. They don't do weekends, do they? I can ask them. Sometimes they do, but often just kind of your standard business hours. Yeah. Yeah. But sometimes they do, like, even after hours appointments and stuff to accommodate or or even early mornings, like, before you start work potentially depending on how early you do start work. I can always I'll send you an introduction email to to them as well so that you have their contact details, and then you can always obviously communicate with them if the time doesn't suit and that you do press that weekends if possible. If not, as late as possible in the afternoon. Yeah. Yep. Perfect. I'm sorry.","start_word":1693,"end_word":1845,"sentiment":"neutral","sentiment_score":0.0667017325758934},{"text":"You did say that you were happy for me to pass on your phone and email address so they can give you a call?","start_word":1846,"end_word":1869,"sentiment":"positive","sentiment_score":0.5895879864692688},{"text":"Yeah. Yeah. It's Candice. Yep. Yep.","start_word":1870,"end_word":1875,"sentiment":"neutral","sentiment_score":0.1892168819904327},{"text":"Okay. Great. Perfect.","start_word":1876,"end_word":1878,"sentiment":"positive","sentiment_score":0.6860267519950867},{"text":"Was there any other questions or anything else that you needed? Or was it mainly just in regards to see if Yeah. you should Mainly to move do move with that. your loan? And I guess I think I'm Yep. probably due for, like, a review of the annual or three months review or whatever it is. I don't know. I haven't heard from anyone for a while. Yeah. Let me have a look here. Yes. Your last one was in November, so it's definitely coming up. Would you like me to schedule you in while I have you on the phone? Might as well. Yep. Okay. And you said you prefer late afternoon? Yeah. I need I need dialer slide. Yep. Okay. Let me have a look here for you. You just have to do it. Let me see. I could do next Thursday, is the twenty sixth, and the latest I could probably do let's see here. Would be Look at Actually, let me see. That's five. it. I thought that's 03:00 your time. It's probably a bit too early. Just bear with me. I can probably I can do 06:00, which will be 04:00 your time, on Thursday, the twenty sixth. Would that work? I mean, yeah. That's if that's the light as it'll go, that that that will have to work. Yeah. Yeah. We do show at seven, so then six Yeah. o'clock would be the latest, and that obviously Yeah. with the time time difference would be 04:00 Yeah. your time. So I'll book you in on Thursday, February 26, and that will be 04:00 your time. 04:00 my phone. Yeah. That should be Yep. okay. Yep. Okay. If anything changes, though, you can't make it, you know, just just give us a call or send us an email or anything, or we can always see if we can reshuffle it for you. Yep. No problem. Yep.","start_word":1879,"end_word":2200,"sentiment":"neutral","sentiment_score":0.01072646222245064},{"text":"No problem.","start_word":2201,"end_word":2202,"sentiment":"positive","sentiment_score":0.3830859065055847},{"text":"And keep a lookout for that email as well. I'll get the lender through to give you a call well to have a look at reviewing all your mortgage and everything and see how we can help you. Okay.","start_word":2203,"end_word":2241,"sentiment":"neutral","sentiment_score":0.31556788086891174},{"text":"No problem. No problem at all, Matthew. I hope Okay. you have a lovely afternoon. You too. Thank you very much. Thanks. Bye.","start_word":2242,"end_word":2264,"sentiment":"positive","sentiment_score":0.6066098809242249},{"text":"Alright. Bye.","start_word":2265,"end_word":2266,"sentiment":"neutral","sentiment_score":0.26174816489219666}],"average":{"sentiment":"neutral","sentiment_score":0.148058699671724}}}}