AU 
First Home Owners Grant TimingI remembered I deal with some mortgage brokers at work so Ill ask them when I next can, atleast they will have more unbiased information.
I… Mortgage Registration Fee QuestionThlo, Thanks so much for the info.
I was sure there would be an explanation, I just couldn't seem to find what I was looking for by… thlo replied 18 February 2009 ago Construction loanand by own you mean you have 100% paid for it out of your own pocket and have no loan for it?
if so, yeah it's very… thlo replied 20 February 2009 ago Delay between Settlement and FHOGHi,
Were looking at buying a house+land package that requires us to purchase land + 5% deposit at the start, then stage based installment… thlo replied 20 February 2009 ago kumarFeb 20, 2009 9:52 pm kumarFeb 20, 2009 9:54 pm kumarFeb 20, 2009 9:55 pm kumarFeb 20, 2009 10:05 pm Where to stash your cash?That's Ok, but where's your site?
edit. Oh, I thought you meant you don't have links to your portfolio on your site. Sorry, misunderstanding. thlo replied 21 February 2009 ago Which lender - 100% or otherwise!Melton West / Kurunjang .... the "better" side of Melton (if there is such a thing as a "better" side of Melton!).
Reason being...
I… lisanne replied 22 February 2009 ago Changing BrokerI have received another question which I would like to answer here;
Question regarding Broker.;
I have today inform a broker that I wish to discontinue… thlo replied 24 February 2009 ago Settlement Delay Due to Westpac...If it is entirely Westpac's fault then you should ask your broker to lodge a formal complaint through their Business Development Manager with a breakdown of the amount… kumarFeb 25, 2009 6:15 pm What timingI'll need finance approval for the NHC on 13/3 and settlement of the sale isn't until 1/4 (unconditional is 21/3)
the settlement on 3/3 moves the mortgage from one… serge44 replied 28 February 2009 ago credit card ratesThanks for the replies. I am paying off an amount on my card at this point, so i do pay interest. The card I'm looking at is a new low rate card by Aussie. it has an… Need more than pre-approval?Not sure if it helps but we are constrained more so by our deposit size rather than our ability to make repayments.
You need to work out… thlo replied 5 March 2009 ago Loans and Fixed term work contractsThanks for that, it is so stressful waiting to hear if you are finance pre-approved especially when we already have a block with an offer on it,… thlo replied 5 March 2009 ago thloMar 11, 2009 11:17 pm What are our options?The best option to do is if you own most of your land then use this equity to borrow money to finance your build. Viridaina line of credit is great for this and you can… Martin replied 12 March 2009 ago thloMar 13, 2009 10:16 am 100% Construction Loan
Hi all, I am new to this forum.
We are considering building a new home, but I am not sure how this woks with the bank if we decide to be owner… thlo replied 15 March 2009 ago What interest rate have you 'prepared' for?Seeing that only about 2% of new borrowers are fixing their home loan rates now, I somehow don't see interest rates as the biggest worry on people's mind at the moment. thlo replied 15 March 2009 ago How much is your mortgage?
It will be approx 286k for us when construction is completed. I wanted to make sure I could pay the mortgage just on my wage. Which will be about 30% of my wage with… Settelment PenaltiesSettlement penalties are going to be a common occurence with Australian lenders having processing delays of up to 4 weeks. Yes 4 weeks, not a typo. thlo replied 20 March 2009 ago thloMar 20, 2009 10:28 am some advice please!!!Hi,
Is your purchase contract subject to finance within a certain time period? Tell us what the clause in the contract says about finance.
Also why can't they do the… Dale replied 23 March 2009 ago New home / Valuation / Contract etcMrs Smith, its a spec home. This is normal, nothing 'desperate' about it.
Jaytyn, what % are you borrowing? You'll probably find the bank will be quite conservative with… deposit for home loanhi all, sorry if this has been discussed before, but im close to considering a new house and land package that is due to start construction next… thlo replied 26 March 2009 ago Building our first homeHi there!
My husband and I are planning on building our first home.
At this point we are saving the deposit for the land and are then looking at building a kit home. The… squashy started a topic 30 March 2009 ago About construction loanHi,
SILs bought a land ($100,000)in the west probably two years ago. During these period, they paid extra repayments ( around $40,000) to the land.… thlo replied 31 March 2009 ago thloMar 31, 2009 12:43 am HelsMar 31, 2009 12:04 pm RAMS 100% loans FINISHEDgilese as far as I am aware you CAN'T under any circumstances
use the FHOG as a deposit anymore.
The new… thlo replied 31 March 2009 ago Delays in passing on RBA cutskumar, you are a bit too cynical but I see what you mean. Do you have a crystal ball?
A number or lenders just increased their variable interest rates. BankWest do not… thlo replied 1 April 2009 ago thloApr 01, 2009 11:44 pm Shared equity or bank loan?My opinion is that these shared equity schemes don't work for most people as there are other ways to reduce your repayments in the short term such as interest only… CBA posts: Are Other Lenders Much Faster?If any of you are concerned about delays then try one of the non-bank lenders or other lenders not affiliated with the major banks. The major banks and their subsidiaries…
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