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Author
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Last Post
thlo
thlo
25 November 2008

tricky finance question

tricky finance question

No problem, throw me another one anytime :)

3
520
thlo
Nov 25, 2008 8:44 pm
thlo
thlo
thlo
7 December 2008

Refanancing Options

Refanancing Options

It's a pleasure, that's why I'm here.

5
445
thlo
Dec 07, 2008 2:09 pm
thlo
thlo
thlo
9 December 2008

Newbie with Interest Rate Question

Newbie with Interest Rate Question
1, 2, 3

hi kumar, Better not post the inquiry here due to Privacy. Ask them to contact me by phone or web site. Special offer applies for first home buyers if they complete a…

55
3691
thlo
Dec 09, 2008 3:50 pm
thlo
Wingies
Wingies
10 December 2008

Here is something very useful

Here is something very useful

I recieved this in my email today very useful to work out a working budget. http://renos.com.au/bookreports/moneyfi ... finder.pdf

0
390
Wingies
Dec 10, 2008 11:57 am
Wingies
thlo
thlo
12 December 2008

Problems with land settlement....

Problems with land settlement....

sorry, i didnt mean to sound like making fun. It's just that you hear a lot of similar excuses in lending. Yours probably was a simple misunderstanding between the broker…

9
716
thlo
Dec 12, 2008 4:27 pm
thlo
yvette72
yvette72
14 December 2008

How long does it take?

How long does it take?

yes I would say you have a problem we had a problem with our broker who tried at two banks to get us aout of our building loan and we had about $250,00 equity they both…

18
1337
yvette72
Dec 14, 2008 9:23 am
penny73
penny73
18 December 2008

Overdraft attached to Home loan

Overdraft attached to Home loan

Thanks we had a good chat and decided that as it is only 5k and short term the cc is the way to go. Cant imagine we would have a problem the bank might even do it for…

3
337
penny73
Dec 18, 2008 9:09 pm
thlo
thlo
23 December 2008

How do you know if you have good credit?

How do you know if you have good credit?

monsoon if you read it more thoroughly, it explains how you get your free copy. It's actually repeated on this page, 4th…

12
962
thlo
Dec 23, 2008 10:07 am
thlo
thlo
thlo
24 December 2008

Bank Pre-Approval Questions

Bank Pre-Approval Questions

thanks thlo, sounds like some good advice and I now have a better understanding. I do feel positive with my bank granting the loan (westpac) as I…

12
1052
thlo
Dec 24, 2008 12:30 am
thlo
thlo
thlo
24 December 2008

Ex-Brankrupt Loan??

Ex-Brankrupt Loan??

Hey, I am looking to buy a house, with my Girlfriend, I have a 100% perfect credit rating, had a previous home loan, paid off, no…

2
536
thlo
Dec 24, 2008 12:38 pm
thlo
thlo
thlo
13 January 2009

Offset account with credit card

Offset account with credit card

Our credit union offers a very competitive interest rate,(currently 6.85%) no account keeping or loan service fees, choice of line of credit or…

18
1222
thlo
Jan 13, 2009 4:04 pm
thlo
thlo
thlo
15 January 2009

Apply home loan for more than pre-approved amount

Apply home loan for more than pre-approved amount

Yes, this is very common indeed. It's always a better idea to have your maximum borrowing capacity tested at pre approval before settling on your ideal purchase price…

4
395
thlo
Jan 15, 2009 2:09 pm
thlo
thlo
thlo
16 January 2009

How long for home loan approval?

How long for home loan approval?
1, 2

Home loan approval times fluctuate greatly week by week and also by the lender in question. There is no way of predicting service levels as it…

23
5663
thlo
Jan 16, 2009 4:40 pm
thlo
thlo
thlo
17 January 2009

HELP!! First Home Buyer BUDGET Advice Needed!!!

HELP!! First Home Buyer BUDGET Advice Needed!!!

there is great advice here already. All I can say is that, house and loans are very stressful to borrowers if they have no buffer. It's going to…

20
1813
thlo
Jan 17, 2009 12:56 pm
thlo
jb_money
jb_money
22 January 2009

Construction Loan with a different lender

Construction Loan with a different lender

Hi all, Does anyone know whether it is possible to have a land loan with lender A and a construction loan with lender B? It doesn't seem…

3
471
jb_money
Jan 22, 2009 8:07 am
thlo
thlo
23 January 2009

Westpac construction loans?? Help REQ.

Westpac construction loans?? Help REQ.

We borrowed nearly all of the money for ours but situation perhaps a bit different - the credit union had our morgage for previous house although…

6
2208
thlo
Jan 23, 2009 12:41 am
thlo
thlo
thlo
26 January 2009

pre - approved loan

pre - approved loan

Yes, when all the conditions…

1
345
thlo
Jan 26, 2009 2:28 pm
thlo
thlo
thlo
26 January 2009

Construction Loans?

Construction Loans?

Hi Everyone! We are moving for real this year yay yay!! Have had a small look around at some established houses and also thinking of building to…

2
330
thlo
Jan 26, 2009 2:36 pm
thlo
thlo
thlo
26 January 2009

100% Loans

100% Loans

I've got a mortgage broker and he said that only St George did the 100% loans but highly recommended not going through them as they seem to under…

18
1190
thlo
Jan 26, 2009 2:43 pm
thlo
1
351
thlo
Jan 26, 2009 2:56 pm
thlo
kumar
kumar
30 January 2009

Anyone uses Pacific Mortgage Group

Anyone uses Pacific Mortgage Group

Hi Guys, it looks like the answer is No. Usually people will rush to tell you about their lender or builder.

2
896
kumar
Jan 30, 2009 12:33 am
thlo
thlo
30 January 2009

Which banks pass on full 1% cut?, 1 % Interest Rate Cut

Which banks pass on full 1% cut?, 1 % Interest Rate Cut
1, 2

It's amazing how much the variable home loan rates came down in such a short time. I just did a check for the lowest bank home loan rates. ING…

22
1617
thlo
Jan 30, 2009 10:27 pm
thlo
kumar
kumar
4 February 2009

New Job 3 month probation

New Job 3 month probation
1, 2

...inquired about if i can get the loan with the probation and guess what?i got a formal pre approval from the lending manager after just 15…

30
3543
kumar
Feb 04, 2009 1:20 am
thlo
thlo
5 February 2009

You thought you had valuation problems!

You thought you had valuation problems!
1, 2, 3

Nav, i got your message but would you be able to communicate via email (sorry I don't have yours), i don't use PM for specific (Privacy Act) issues. If you prefer not…

58
3587
thlo
Feb 05, 2009 1:58 pm
thlo
jb_money
jb_money
6 February 2009

My IDIOT Mortgage Broker !!!

My IDIOT Mortgage Broker !!!

They are bringing in licences soon and with any luck a few more of the idiots and part time brokers will leave the industry. They reckon around 30% of the brokers in…

3
716
jb_money
Feb 06, 2009 6:18 pm
15
843
thlo
Feb 06, 2009 6:34 pm
thlo
thlo
thlo
8 February 2009

Is RBA going to cut rates again in February?

Is RBA going to cut rates again in February?
1, 2, 3, 4

I'm going to have to ask Andy to be the first to vote in every poll. By Special Invitation!

70
3099
thlo
Feb 08, 2009 12:02 pm
thlo
jb_money
jb_money
9 February 2009

Broker **

Broker **

You should check on the MFAA consumer website (essentials of borrrowing) or the FBAA website to see if he is listed as…

15
859
jb_money
Feb 09, 2009 8:14 am
jb_money
jb_money
9 February 2009

Why does the mortgage calc give a different repayment amount

Why does the mortgage calc give a different repayment amount

I think this is normal - our credit union does it too - they don't call it a review but the onus is on the customer to change their payments if…

5
448
jb_money
Feb 09, 2009 8:16 am
Hellman109
Hellman109
10 February 2009

Total out of pocket money needed

Total out of pocket money needed

I also see they just got in trouble for copying another builders design aswell... Although what they sell now doesnt take from those ideas anymore. A search brought…

9
716
Hellman109
Feb 10, 2009 5:24 pm
thlo
thlo
11 February 2009

Anyone used a deposit bond?

Anyone used a deposit bond?

Was then called today advising that they need another 9-10 days to get the bond as they need the purchaser of their property to go unconditional…

15
1196
thlo
Feb 11, 2009 1:49 am
thlo
jb_money
jb_money
11 February 2009

Deposit bond problems

Deposit bond problems

Yes if you are using a "quick" pre-approval then this means nothing. NAB and CBA will both give you an on the spot pre-approval however it is subject to them checking…

4
1407
jb_money
Feb 11, 2009 3:50 pm
thlo
thlo
14 February 2009

Finance delayed on a sale - is this common?

Finance delayed on a sale - is this common?

We went unconditional yesterday. Woohoo! JB That's what I'm…

19
948
thlo
Feb 14, 2009 4:38 pm
thlo
stevep79
stevep79
17 February 2009

First Home Owners Grant Timing

First Home Owners Grant Timing

I 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…

3
499
stevep79
Feb 17, 2009 11:40 am
stevep79
thlo
thlo
18 February 2009

Mortgage Registration Fee Question

Mortgage Registration Fee Question

Thlo, 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…

8
1031
thlo
Feb 18, 2009 1:55 pm
thlo
thlo
thlo
20 February 2009

Construction loan

Construction loan

and 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…

7
416
thlo
Feb 20, 2009 5:48 pm
thlo
thlo
thlo
20 February 2009

Delay between Settlement and FHOG

Delay between Settlement and FHOG

Hi, Were looking at buying a house+land package that requires us to purchase land + 5% deposit at the start, then stage based installment…

10
1106
thlo
Feb 20, 2009 6:17 pm
thlo
kumar
kumar
20 February 2009

Can we still apply for First home owners grant

Can we still apply for First home owners grant

I though boost was a chocolate bar. Oh wrong forum!

5
395
kumar
Feb 20, 2009 8:54 pm
kumar
kumar
20 February 2009

Land finance?

Land finance?

Surprised me as well to be honest!…

6
519
kumar
Feb 20, 2009 8:55 pm
thlo
thlo
21 February 2009

Where to stash your cash?

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.

19
916
thlo
Feb 21, 2009 5:16 pm
thlo
gracesmith
gracesmith
21 February 2009

When to see the bank for construction loan?

When to see the bank for construction loan?

Local banks, if they do construction loans, might be able to offer you a great rate. National Lenders are more likely to have construction programs, but the drawback is…

2
489
gracesmith
Feb 21, 2009 9:54 pm
gracesmith
gracesmith
21 February 2009

Does the Deposit Bond cover the purchaser?

Does the Deposit Bond cover the purchaser?

Hi............., The deposit bond is a form of insurance policy, but it is for the vendor’s benefit only. If the insurer is required to pay the vendor pursuant to the…

0
241
gracesmith
Feb 21, 2009 10:16 pm
lisanne
lisanne
22 February 2009

Which lender - 100% or otherwise!

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…

12
774
lisanne
Feb 22, 2009 4:56 pm
thlo
thlo
24 February 2009

Changing Broker

Changing Broker

I 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…

9
492
thlo
Feb 24, 2009 12:27 pm
thlo
jb_money
jb_money
24 February 2009

Exchange contracts before finance in place no title on land?

Exchange contracts before finance in place no title on land?

If you aren't worried about your job then I think you are in a relatively safe position. If I were you my main concern would be the contract with the vendor and getting…

6
555
jb_money
Feb 24, 2009 3:50 pm

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