NSW 
First home buyers questionIf you're in Victoria, as bubblynutter says, you pay stamp duty on the land only. You will also get a reduction on the stamp duty if the house you… FHOG After Construction????Not too worry. In my case, it was debited into my account couple of weeks after the first progress payment. mr.21 replied 24 May 2012 ago mr.21May 24, 2012 11:28 pm Vendor Finance - What to be aware ofFirst things do you realise you wont be able to get a normal house loan? Land that sizes means you need to look into commercial / rural lending.… Finance for a high riskGlad to hear that your finance has come through. I am up in the Barossa as well, which town is your new purchase in?
Look forward to following your renovation posts when… Buying a second home Questions
1. Choose to fix the rate
2. make it P & I
3. keep LVR under 80% ( cash or equity)
4. claim Negative gearing benefit from the loan
5. Close… ANZ Builder's PackSo you posted the signed letter of offer back on the 26th??
Given that last week ( Tuesday - Friday ) 3 days were the only working days...i wouldn't be to concern-… shape replied 8 January 2012 ago shapeJan 08, 2012 11:43 am Help!!!See if you can get the tiler to supply the bamboo flooring. You pay him, he pays the bamboo flooring supplier. Even if he puts 5% on top you might still be able to get… 1% discounts from CBA, ANZ and SuncorpCBA came out with a published 1% discount off the standard variable rate today for sub 80% LVR loans over $500k. There is certainly a price war going on with other lenders… Mortgage insurance under 25sHm not that I know of personally. LMI is only needed when you borrow more than 80% of the value of the property. It should be waived if LVR is less than or equal to 80%,… How many credit enquiries?Hi,
I for one am not convinced that broker inquiries ie agent inquiries dont count against you. If credit score is done automatically and the algorithins are secret how… Need some Finance helpIt looks to me like you are in a great financial position:
You will have clear credit (default will no longer be on your file unless it was… shapeMay 06, 2011 4:12 pm building new home insurance..Hi TC Welcome
We r just like you so many ????
Our builder provided a copy of a BSA Certificate of Insurance to the value of the contract along with a copy of Policy… Yellow Brick RoadIf you get Mark Borris as your broker then you know your in safe hands ahahh 
Our firm have dealt with them once before for a major commercial deal, i find them to be… shape replied 4 April 2011 ago shapeApr 04, 2011 12:28 am shapeMar 02, 2011 8:41 am Siwtching lines of credit.None so blind as will not see.
None so deaf as will not hear.
Jeremiah 5:21 (paraphrase)
Some things never change 
As I have stated several times on this forum, I… Helyn replied 1 March 2011 ago HelynMar 01, 2011 7:57 am Regarding unconditional approvalWelcome Ravi,
What do you mean by "indian component?"
But either way, the LMI provider does not accept every "pay type" - ie Maternity pay ( only 50% considered)
But… shape replied 27 February 2011 ago shapeFeb 27, 2011 9:14 pm buying a land... and build soon...Welcome kornjen,
applying for consutruction loan:
1. Speak to a mortgage broker or the bank to work out how much you can borrow/ service
2. Find the land you like- make… shape replied 21 February 2011 ago shapeFeb 21, 2011 2:25 pm shapeJan 25, 2011 4:24 pm First Home Buyer Questionsjust a question, when buying a land do you actually know how much council rates you need to pay per year? is it the same if you are residing on… shape replied 25 January 2011 ago shapeJan 25, 2011 3:33 pm Mortgage HouseToday, we went to oran park to view some of the builder homes... and I ran pass a guy who is offering home mortgage by the name of Mortgage House. it offers around 6.92 %… kornjen started a topic 23 January 2011 ago Bank is still suffing us around grrrI'm joining this debate late, but I have been in the same situation (i.e. bank re-valued six months after unconditional approval only to devalue by approx $20,000 -… use existing property as collateralGiven Australian housing prices are some of the highest in the world, leveraging on investment properties is not what I would call a good investment decision. But of… on-line queriesThe online calculators are for the most part useless. They are as a guide only. Serviceability is very complex and the policies & methods of assessment vary signficiantly… Cost plus contract - bad idea?It's bad, very bad... no incentive to improve on costs, and you don't know what arrangements your builder has, like rebates from suppliers. The trades will be cost plus… ECOECO replied 18 November 2010 ago Paying a house with credit card?I ever tried citibank services so but obvious I had no vast knowledge about this but putting a house on a credit card was the best move . Buying out Co-BorrowersWhen there is a change in the borrowers or the owners of the security property then the loan needs to be re-written. What this means is a full loan application from the…
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After carefully thinking about my situation, I decided to borrow money for the land only.
I will borrow up to 80% of the land value.
I will try to pay…
