My partner and I may be signing on a house this month. The inspection report is coming due this week, and we are in the process of shopping for the best mortgage rates.
We are pre-approved at SMBC, but their rates are higher than most
We are pre-approved at AU, however their insurance and service may be lacking somewhat.
However, this is a single party loan, so we will be both getting bank accounts at said lender, and I will transfer my portion of the monthly payment to my partner. So, the actual traditional aspect of the bank itself matters to some degree.
After some browsing MUFG seems to have relatively favorable rates, especially when applying directly through a workplace portal. They also have a decent branch/atm structure.
Any reason not to go with them, instead of chasing a few points lower from a netbank, (w/ apparently inferior life insurance?) Any input is welcome!
https://mogecheck.jp/mortgage-ranking/purchase
https://kakaku.com/housing-loan/
by Choice_Vegetable557
