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in_for_the_experience
in_for_the_experience
20 October 2008

Choice - PD

Choice - PD

Thanks for your advice guys.

6
512
in_for_the_experience
Oct 20, 2008 10:20 pm
thlo
thlo
21 October 2008

More movement on interest rates 17/10...ANZ blinks first

More movement on interest rates 17/10...ANZ blinks first

Big banks have entered into a price war on mortgages since ANZ's decision on Friday to reduce rates independently of the Reserve Bank of Australia. National Australia…

7
581
thlo
Oct 21, 2008 6:06 am
thlo
Shue
Shue
28 October 2008

Loans - help.

Loans - help.

I thought about using my parents house as equity after my fix rate finishes in 2 years time. I have read the basics of this arrangement but would like to know what are…

10
861
Shue
Oct 28, 2008 11:23 pm
Cleishy
Cleishy
30 October 2008

Recommend Mortgage Broker

Recommend Mortgage Broker

I highly reccomend mine from Inovayt. I would of given up if it wasn't for him. Very reliable, done a great job and makes sure are well looked after.

4
857
Cleishy
Oct 30, 2008 5:24 pm
Cleishy
thlo
thlo
31 October 2008

New govt savings plan for first home buyers

New govt savings plan for first home buyers

There doesn't seem to be much interest in this scheme at the moment probably due to the long term nature of it but if 100% loans become harder, I suspect there will be interest.

4
557
thlo
Oct 31, 2008 3:03 am
thlo
thlo
thlo
1 November 2008

Home Loans for building home

Home Loans for building home

Hi kyton, where do you work? I remember your signature used to have a lender's name. Or am i mistaken?

14
2147
thlo
Nov 01, 2008 3:25 am
thlo
thlo
thlo
1 November 2008

Mortgage - Pre-Approval

Mortgage - Pre-Approval

I'd love to know where you are getting a 100% construction loan from? We used 3 different mortgage brokers and non could find a 100% construction…

7
2371
thlo
Nov 01, 2008 3:33 am
thlo
thlo
thlo
1 November 2008

To Mortgage or Not To Mortgage?

To Mortgage or Not To Mortgage?

Actually, I thought it was a case of paying for the car and THEN the extra $32,000 to have the conversion. So it's really $32,000 for the whole…

8
1802
thlo
Nov 01, 2008 3:47 am
thlo
amanda26
amanda26
1 November 2008

What does it mean a letter says you have been pre approved?

What does it mean a letter says you have been pre approved?

Thanks for the reply! Thats what I was thinking I thought it sounded a bit to good to be true that you could get a personal loan up to 70,000 without being formaly approved!!

2
601
amanda26
Nov 01, 2008 10:24 pm
thlo
thlo
7 November 2008

I’m stressing out!!!

I’m stressing out!!!

I don't have my own rates per se…

16
1371
thlo
Nov 07, 2008 2:50 pm
thlo
thlo
thlo
14 November 2008

HSBC Home Loans - no rate cut after RBA 0.75% cut last week

HSBC Home Loans - no rate cut after RBA 0.75% cut last week

Hi all Does anyone else have their home loan with HSBC in Australia? They have not passed on any of the RBA rate cut last week! I have phoned…

1
575
thlo
Nov 14, 2008 4:52 am
thlo
wonderland
wonderland
16 November 2008

Booo

Booo

Thank you, my congrats to you also!! No I'm not part of any wedding forum. I see the wedding as a chore more than anything. I just want the day to be over, if it was up…

13
981
wonderland
Nov 16, 2008 12:49 am
wonderland
thlo
thlo
17 November 2008

Two Loans with two offset accounts?

Two Loans with two offset accounts?

In my understanding, it doesn't matter if I put all of my savings in one offset account, or in the other account, or whether I split it up evenly…

6
706
thlo
Nov 17, 2008 4:06 am
thlo
thlo
thlo
18 November 2008

ANyone know about the new Shared equity scheme in WA

ANyone know about the new Shared equity scheme in WA

Hi guys, I am a first home buyer/builder and have registered for Keystart "first start" shared equity scheme loan. Its been a while but i…

1
449
thlo
Nov 18, 2008 5:41 pm
thlo
Davao Del Sur
Davao Del Sur
18 November 2008

Saving on your mortgage

Saving on your mortgage
1, 2

Davao real estate: House sales davao, buy and sell property, davao homes for sale, philippines…

24
8785
Davao Del Sur
Nov 18, 2008 8:27 pm
thlo
thlo
21 November 2008

100% offset account & fortnightly mortgage repayments

100% offset account & fortnightly mortgage repayments

This is what I mean; I have done a calculation to demonstrate that package fees paid (for the privilege of using an offset account and having a low rate) can be better…

8
1724
thlo
Nov 21, 2008 1:16 am
thlo
thlo
thlo
25 November 2008

tricky finance question

tricky finance question

No problem, throw me another one anytime :)

3
517
thlo
Nov 25, 2008 9:44 pm
thlo
thlo
thlo
7 December 2008

Refanancing Options

Refanancing Options

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

5
426
thlo
Dec 07, 2008 3:09 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
3616
thlo
Dec 09, 2008 4:50 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
380
Wingies
Dec 10, 2008 12:57 pm
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
708
thlo
Dec 12, 2008 5:27 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
1268
yvette72
Dec 14, 2008 10:23 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
335
penny73
Dec 18, 2008 10:09 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
954
thlo
Dec 23, 2008 11:07 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
1037
thlo
Dec 24, 2008 1:30 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
531
thlo
Dec 24, 2008 1:38 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
1211
thlo
Jan 13, 2009 5:04 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
379
thlo
Jan 15, 2009 3:09 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
5617
thlo
Jan 16, 2009 5:40 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
1793
thlo
Jan 17, 2009 1:56 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
456
jb_money
Jan 22, 2009 9:07 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
2035
thlo
Jan 23, 2009 1:41 am
thlo
thlo
thlo
26 January 2009

pre - approved loan

pre - approved loan

Yes, when all the conditions…

1
338
thlo
Jan 26, 2009 3:28 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
320
thlo
Jan 26, 2009 3:36 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
1156
thlo
Jan 26, 2009 3:43 pm
thlo
1
340
thlo
Jan 26, 2009 3:56 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
888
kumar
Jan 30, 2009 1:33 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
1533
thlo
Jan 30, 2009 11:27 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
3485
kumar
Feb 04, 2009 2:20 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
3517
thlo
Feb 05, 2009 2:58 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
688
jb_money
Feb 06, 2009 7:18 pm
15
831
thlo
Feb 06, 2009 7:34 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
2952
thlo
Feb 08, 2009 1:02 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
838
jb_money
Feb 09, 2009 9:14 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
439
jb_money
Feb 09, 2009 9:16 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
703
Hellman109
Feb 10, 2009 6:24 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
1170
thlo
Feb 11, 2009 2:49 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
1268
jb_money
Feb 11, 2009 4:50 pm


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