AU 
First Home Loan and wife off workRaphael, I'm not sure specifically what flexibility banks offer in terms of altering repayments. I know Wizard (or was it Aussie??) used to offer a thing called 'pregnant… Ceebs replied 5 June 2010 ago CeebsJun 05, 2010 3:50 pm Question about joint loansThat's just bizarre.  Of course you can have a joint mortgage with security being a property held in only one of your… kek replied 13 June 2010 ago Is it worth having redraw on the Home Loan?
Helyn is right. But if you put your surplus funds into your home loan, thus offsetting the interest on the loan, in most cases it will work out better than if you parked… kek replied 2 July 2010 ago Early exit fees on a Westpac Fixed loanHi there,
We were in the same situation at the start of the year. We had a fixed loan with Westpac and we had to pay just over 5 grand I think to break it. There was… 95% LVR - Are they still available?We recently applied for 40% back on our lmi after closing and opening a new loan with Westpac (within the year) only to be told that there policy has changed and that they… Construction period of loanHi jb_money, thanks for your response. Wish I read it earlier, I rang the bank's call centre a few days ago! It was regarding a few questions though, and I asked about the… bankwestI think they should swap the W and B around, nothing but trouble for me, started when we wanted to move from north WA to South WA, I had a… Home loan and changes to contract priceThanks for the advice everyone. I'll definately take that on board. I'm aware we will have to cover variations and I have added a healthy contingency to my calculations.… confusion on buildingIt is very much a "how long is a piece of string" question. It would depend on the lender policy, how much the land was, how much construction is etc. As a general rule if… Agent fails to get 10% DepositLet me see if I understand this correctly.
1) The agent sold your house
2) You got 90% of the price
If so, the agent is… Casa2 replied 9 August 2010 ago Casa2Aug 09, 2010 7:31 pm Land EquityThanks so much for clearing that up for me, it gives me some valuable info to go back to my broker with. ANZ Breakfree packageWe've had this package for around 6 months now and no complaints. Had to ensure everything was set up correctly in the first place - but who doesn't have a problem with… John L replied 19 August 2010 ago Re-amortising (sp) loan.....Thanks for your explanation Ceebs - Not Confusing at all. 
If I come across this term again, I will know what it means. Helyn replied 24 August 2010 ago HelynAug 24, 2010 5:43 pm Owner builder finance. Experiences?Hi Meg,
Intellichoice are the finance specialist we went through.
They help us aquire our funds and we were able to build our ghome based on the end value.
We had… Advice WantedThanks guys
I am a bit calmer today and not so panic'd at trying to find such a big deposit at the last minute.
Lets just hope I have enough equity in the block to pay a… 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… slknvSep 02, 2010 10:31 pm To buy OR not to buy???Equity? By your calculations you have ~$25k equity available (for investment loans) and $60k to open a line of credit for reno's.
Before you start looking at houses, go… Huggy_B replied 7 September 2010 ago HelynSep 08, 2010 9:02 am Bank valuation less than purchase priceHey Cookie Monster
If you can find the $60k , this would make life some what easier (just to get the block settled).
Then
A. Ask the bank to revalue the block in 6… Tender process?Got a copy of our site tests today  Don't fully understand it but says m slab required which I know no upgrade! Great!
Also says slight to moderate fall!
Hopefully it's… mel_mox replied 22 September 2010 ago SIGH - we can't get finance. Ever.Meh. Was passed in at $360,000 vendor bid after an opening bid of $300,000, one other bid of $320,000 and that's it. Our max price is $320,000. Blown out of the water I'm… Capital Gains vs LVR & LMIGood news. Our loan docs have been certified and we are going on sites pretty soon.
Our LMI have also been adjusted without the 110% construction loading. Eoh replied 28 September 2010 ago Financing options without enough depositThere are some lenders that allow you to refinance at 95% LVR (very few allow this these days). This would allow you to release funds as a deposit. The problem is that LMI… invoice advice/whingeIs your contract for staged payments eg: Base, Frame, Lockup, Fix and Final? If so, then those stages are as defined in the legislation in most states and my… builda replied 1 October 2010 ago pros and cons of refinancing... help!There is no way I would be paying 4-5k in LMI for an extra 10k. That's lunacy! And SK is correct that you will end up paying more interest if you add it to your home loan…
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