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Yak_Chat
Yak_Chat
17 November 2007

They Stole My House

They Stole My House

I subscribe to a few realestate newsletters and here is one that I was never aware of. Real Estate Fraud. Enjoy. Steve Cars are stolen, bikes are stolen, money is…

0
1532
Yak_Chat
Nov 17, 2007 12:13 pm
Yak_Chat
louie
louie
14 December 2007

How high will interest rates go?

How high will interest rates go?
1, 2

Well if they keep increasing it at only .25% every 3 months then it is going to take a year just for a 1 percent rise. Back in the 90's they had one rate increase of…

29
4493
louie
Dec 14, 2007 3:22 pm
Dean Lynch
Dean Lynch
18 March 2008

Home loan question

Home loan question

Hi Belinda, these items would have to be included in your fixed price quote when you get your full approval for the construction. If you took a personal loan for them you…

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2309
Dean Lynch
Mar 18, 2008 1:50 pm
commodorenut
commodorenut
18 March 2008

Owning Outright

Owning Outright

You're making your mortgage work for you! So that's a good thing!

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2319
commodorenut
Mar 18, 2008 7:33 pm
commodorenut
Helyn
Helyn
2 April 2008

this is ridiculous

this is ridiculous

I am in no doubt that my re-application will be approved as we are only borrowing part of construction value, land is fully paid for, rest is our own money, which is the…

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1307
Helyn
Apr 02, 2008 9:32 pm
Helyn
Helyn
Helyn
8 April 2008

Which bank?

Which bank?

Well, I'm experiencing delays with the credit union sorting out my loan, see my thread in here, STILL waiting for them to get back to me or their evaluator to approve the…

1
869
Helyn
Apr 08, 2008 9:01 pm
Helyn
Casa2
Casa2
12 April 2008

Interest rates above 10%?

Interest rates above 10%?

So is the traditional theory that "property prices double in value every 7-10 years" now also out the…

20
3407
Casa2
Apr 12, 2008 5:07 pm
boomerj
boomerj
15 April 2008

Owner occuppied or investment?

Owner occuppied or investment?

Of course you live in it... Tax rulings allow you to take in Borders (Not renters) and you dont need to declare their income. You wont pay Capital gains tax…

3
1157
boomerj
Apr 15, 2008 3:10 pm
Helyn
Helyn
22 April 2008

Has anyone dealt with Virgin Home Loans for their loan?

Has anyone dealt with Virgin Home Loans for their loan?

We're quite happy with our community credit union, competitive on interest rate, and has no account keeping fees, loan service fees, exit fees or other such like that…

4
1173
Helyn
Apr 22, 2008 9:17 pm
Helyn
Jane
Jane
6 May 2008

proving value of land??

proving value of land??

Hi Stonecutter, For a residential valuation I typically pay $450. For commercial vals its horses for courses. The last one cost $2,200 for a projected 29 lot subdivision.

10
1793
Jane
May 06, 2008 2:17 pm
Helyn
Helyn
14 May 2008

WA govt shared equity mortgage scheme

WA govt shared equity mortgage scheme

Not just answering your own post but now hijacking your own thread! :lol: My house is approaching lock-up, I have a thread about it as below.

6
1211
Helyn
May 14, 2008 8:06 pm
Helyn
Eager
Eager
16 May 2008

How big is your mortgage?

How big is your mortgage?
1, 2

Our first house, which we bought in 1984, cost $42000. The vendor invited me to buy his pristine XY Falcon GT and the house for $50,000. I said no because we were already…

35
8487
Eager
May 16, 2008 9:23 pm
Eager
sha
sha
17 May 2008

Company closed down

Company closed down

Thanks for reply Dana. My husband's friend works for this new company, and as soon as he heard the news, spoke to his boss, as he knew his boss was looking for the type…

2
1130
sha
May 17, 2008 10:13 am
wonderland
wonderland
3 June 2008

deposit on construction loan

deposit on construction loan

Sorry guys to drag this back up. Just one quick question, with regards to home loans where you have one for the land and one for the building of the house. I'm assuming…

10
4764
wonderland
Jun 03, 2008 2:24 pm
wonderland
razzle
razzle
25 June 2008

Bank Valuations on House+Land Properties

Bank Valuations on House+Land Properties

This can depend on your lender, but some will refund part of you LMI if you have your property revalued and the amount outstanding on your loan is < 80%. most will only…

11
2722
razzle
Jun 25, 2008 3:20 pm
hlgee
hlgee
2 July 2008

Banking finance and Non-banking finance for Home Loan

Banking finance and Non-banking finance for Home Loan

Hi Experts, I was looking for bank loan for block of land which I have purchased in Berwick. That land is about to release in March. I got…

17
3145
hlgee
Jul 02, 2008 6:47 am
claego
claego
8 July 2008

Mortgage stress

Mortgage stress
1, 2

It is a big decision for us to build now, because once we build, we will fall under mortgage stress category, will be spending around 29% on mortgage We are currently…

23
2906
claego
Jul 08, 2008 9:26 am
winniey
winniey
8 July 2008

Has anyone used MECU before?

Has anyone used MECU before?

Hi Jo, Thanks for your feedback. They do have a "green" loan and the rate is the same as for the first home owners loan. I think I like the fact the fees are readily…

2
907
winniey
Jul 08, 2008 3:04 pm
winniey
Matrix
Matrix
11 July 2008

The Red Dragon

The Red Dragon

Bugger! oh well, NAB and Westpac won't be far behind i guess.

6
1133
Matrix
Jul 11, 2008 11:19 pm
claego
claego
19 July 2008

Interest rates

Interest rates

I think that there could be another 2 interest rate rise.. my DH looks at the news everyday... although he is concerned about it, but we are not fixing the loan... i just…

4
871
claego
Jul 19, 2008 10:11 pm
ChrisL
ChrisL
30 July 2008

QuickDirect - info needed

QuickDirect - info needed

legendaryt, Take a look at www.yourmortgage.com.au It used to be much more user friendly, but I think it still gives all the info you need. Chris

1
845
ChrisL
Jul 30, 2008 7:58 pm
sandra77
sandra77
6 August 2008

What Loan? Advice please.

What Loan? Advice please.

Hi, I'm Dave, Hubby from post above, There is, as you can imagine many options here, but the best one (in my opinion and experience) depends mostly on your financial…

4
950
sandra77
Aug 06, 2008 9:23 pm
ducky_1983
ducky_1983
14 August 2008

order of title

order of title

sorry I didn't phrase my question correctly, upon settlement, they only have to provide us with an order of title, not the title itself. My understanding was that the bank…

2
624
ducky_1983
Aug 14, 2008 8:21 pm
Mikaela_D
Mikaela_D
22 August 2008

bank effed up!

bank effed up!

It's all being sorted out between our solicitors, their solicitors, the bank and our mortgage broker... the wheels are turning, we don't have to make a scene. The bank got…

4
862
Mikaela_D
Aug 22, 2008 12:00 pm
Mikaela_D
Sassy_Bud
Sassy_Bud
27 August 2008

Anyone used www.loanaustralia.com.au for mortgage?

Anyone used www.loanaustralia.com.au for mortgage?

I know this is an old thread but I just wanted to add my 2 cents as I got my mortgage through this company and was surprised to read so many bad words about…

6
1612
Sassy_Bud
Aug 27, 2008 5:47 pm
Allan Faint
Allan Faint
2 October 2008

Finance for building and or owner builder

Finance for building and or owner builder

It is more difficult at the moment in general to arrange finance but I can arrange finance of up to 75% of the properties end value if owner building through Home Building…

2
675
Allan Faint
Oct 02, 2008 4:15 pm
Allan Faint
thlo
thlo
13 October 2008

Q's about loan/mortgage

Q's about loan/mortgage

This question comes up often. I know it is possible to package cars into a home loan at the time of home purchase is by way of an EQUITY GUARANTEE home loan as I have…

11
2025
thlo
Oct 13, 2008 3:03 am
thlo
thlo
thlo
17 October 2008

consolidate

consolidate

If you have 10% equity in your home and your bank is not one of a few (I shouldn't name them here) that doesn't go above 90% LVR in a home loan, you can apply for an…

1
624
thlo
Oct 17, 2008 9:07 pm
thlo
thlo
thlo
18 October 2008

Equity Mortgage

Equity Mortgage

greetings, Line of credit and offset accounts are fantastic. with a Line of credit, so long as you have the discipline not to spend the available…

8
2843
thlo
Oct 18, 2008 1:40 am
thlo
thlo
thlo
18 October 2008

Need a 100% offset loan

Need a 100% offset loan

Many brokers are scrambling week to week to get a sale - hence they are not really knowledgable about what is best for you. I've used a…

14
2927
thlo
Oct 18, 2008 1:54 am
thlo
in_for_the_experience
in_for_the_experience
20 October 2008

Choice - PD

Choice - PD

Thanks for your advice guys.

6
534
in_for_the_experience
Oct 20, 2008 9:20 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
586
thlo
Oct 21, 2008 5:06 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
884
Shue
Oct 28, 2008 10:23 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
877
Cleishy
Oct 30, 2008 4:24 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
571
thlo
Oct 31, 2008 2:03 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
2160
thlo
Nov 01, 2008 2:25 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
2393
thlo
Nov 01, 2008 2:33 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
1812
thlo
Nov 01, 2008 2:47 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
619
amanda26
Nov 01, 2008 9:24 pm
thlo
thlo
7 November 2008

I’m stressing out!!!

I’m stressing out!!!

I don't have my own rates per se…

16
1394
thlo
Nov 07, 2008 1:50 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
581
thlo
Nov 14, 2008 3:52 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
996
wonderland
Nov 15, 2008 11:49 pm
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
727
thlo
Nov 17, 2008 3:06 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
457
thlo
Nov 18, 2008 4:41 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
8878
Davao Del Sur
Nov 18, 2008 7:27 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
1790
thlo
Nov 21, 2008 12:16 am
thlo

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