AU 
Home Loan StructureNamz if you want to have a higher proportion of your payments as principal in the early years then you just have to make extra repayments. Making extra repayments is the… FinanceWhen we were going through the process of getting finance, etc, we'd had so much trouble from the bank who lost a few of our forms and things like that, and ended up with… We are stuck...bad valuationWe bought a property at a really good price a few years ago now. Full renovated 2 bedroom off street car park in a small block. Perfect investment, we went back to the… CS Legaluh oh, Honeywood use CS Legal! Might have to look around while I can... Circle Credit UnionThey are mortgage mangers for a variety of credit unions, meaning they don't lend their "own" funds...they are just the middle man- which is fine...
There Construction… shape replied 31 October 2012 ago shapeOct 31, 2012 5:18 pm HELP, Problem with WestpacNot a good situation but I agree wirth Ed. They signed off on it thier problem. I have had a few lenders try and pull their approvals on me / my clients but thankfully… Townsville property managerHi OP, something worth considering is talking to The Tenants Advocacy Group about their experiences with various agents. I know there are some agents in Townsville have a… Construction loan questions - urgent
....most pre-approvals are so useless, it's just a marketing tool in my eyes.
Seen so many people still get rejected, even after they have the so… plc replied 10 October 2012 ago shapeOct 05, 2012 3:15 pm Our Construction Loan NightmareJust heard on Friday we received unconditional approval from Westpac!
Can't believe what took St George 3 MONTHS took Westpac 9 days!! Sweet sweet relief  Paying rent while buildingJust thought I should check in on this thread; a lot has changed!  Thanks kitkat and juski for your recent replies!
Here is an update on our situation and plans:
Location… Homeside Processing TimesI originally had my loan with Homeside. I similarly had multiple issues where responses and outcomes were communicated to be occurring on particular days, and those… akashra replied 26 September 2012 ago ANZ Processing Time?Congrats! Where are you buying / building?
Yes indeed it was comforting to know we weren't alone!!! Construction loanHi i am going to apply for a construction loan with homestart,we are borrowing $120,000 after we have put a dep of $30,000 down,is a… shape replied 13 September 2012 ago shapeSep 13, 2012 5:08 pm Builder Needing Proof of FinancesSeems like different people have had different experiences - thanks for your input guys. Was just wondering what everyone else had to do... First house - mortgage questionstompab, as mentioned by travelbug, if getting a variable rate, look at getting an offset account linked to your home loan instead of relying on redraw. An offset account… plc replied 9 September 2012 ago Land Price NegotiationsIt doesn't hurt to ask, and see what they say.
As for demand, one way of telling is how long they have been on the market. If they're newly released, might be worthwhile… plc replied 7 September 2012 ago sell/rent/build/move, advice?We did your Option 2 (sorta) .... bridging finance to buy the land, sell our current house, rent between the sale and the completion of the build, then move in to the new… laser replied 23 August 2012 ago laserAug 23, 2012 10:33 am Caz76Aug 19, 2012 2:19 pm Paying 5% Deposit on landJust be careful to make sure the bank has acknowledged funds paid to the builder so they can adjust the net amount available for your loan settlement. For example if you… interest only loanWe have interest only as well and have so far managed to keep an offset account going. I transfer money in and out as need be - figuring even if its only in there a few… shapeAug 07, 2012 10:57 pm Home BudgetThis is a pretty broad question but I'll attempt an answer, it also depends on your supplier and location too.
We are a couple, going to be living in a 32sq home with… Question about block/house loans?Hi Kimmy!
Ill try to answer your questions without writing a whole essay ....i'll try
1. The 2 loans are separate
2. You first get your land loan- and what ever deposit… shape replied 5 July 2012 ago shapeJul 05, 2012 9:44 pm Current loan questionHi
Westpac is the most expensive lender for most people even with their standard package discount of 0.70%
At the moment you should be aiming to… 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… Mortgage for house & renovationAre you using any other property as security? Some lenders will lend you up to 95% of the purchase price plus the renovations. If you have equity in other property then… Porter Davis and Choice home loanI love PD designs but hate the process of all this. I will refuse to get choice to assess my situation when the time comes. We have a letter from… When FHOG will be paid to us?Ok, I have the answer from the horse's mouth! AKA the SRO!
It depends how you applied for it, if it was direct to the SRO they will not consider your application until… 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 First progress payment to builderHi All,
My first Home owners grant and bonus been approved by SRO. First Progress payment paid to builder by bank yesterday, but i didn't got my first Home owners grant… First home buyers with low depositYou can find Low Deposit Home Loans really very helpful.A traditional home loan with competitive interest rates to suit first home buyers and owner occupiers Standard…
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