Home
Pros
Forum
  • About
  • Join Community
  • Contact
Reply
WatchingStarredHistory
InboxSent
MembersPros
#Unanswered     #Active

Forum
Home Finance
Topics
Author
Replies
Views
Last Post
3timesbuilda
3timesbuilda
5 December 2006

Accurat Predictions and interpretation of Data

Accurat Predictions and interpretation of Data

The problem with saying that Aus property is overvalued, is that it seldom compares like with like. Eg. A 4 bed house 8km from the city in Melbourne vs like in Uk or…

1
1403
3timesbuilda
Dec 05, 2006 1:07 pm
3timesbuilda
Pom down under
Pom down under
13 February 2007

Help wanted

Help wanted

Please see my post under General Discussion - Valuation Problem Thanks PDU

0
1234
Pom down under
Feb 13, 2007 11:24 pm
wanelad
wanelad
29 April 2007

Finance options for renovations

Finance options for renovations

Hi if you are using a builder you will need to organise a fixed price contract, the lender may do a valuation on the end product which will give you an instant increase in equity.

2
1496
wanelad
Apr 29, 2007 12:16 pm
wanelad
wanelad
1 May 2007

Can first home buyer give it on rent?

Can first home buyer give it on rent?

Hi as the rules and regulations very from 1 state to the next you really need to enquire from the office of state revenue from the state as to where you live. From the…

3
1700
wanelad
May 01, 2007 11:06 pm
monkeyupatree
monkeyupatree
25 May 2007

First Home Buyer Q & A

First Home Buyer Q & A

1. MAKE SURE IT HASN'T GOT TERMITES! 2. MAKE SURE THE PLUMBING WORKS. 3. MAKE SURE THE AIR CON. / HEATING WORKS. tHESE ARE JUST A FEW TRAPS i'VE…

8
5112
monkeyupatree
May 25, 2007 7:26 pm
monkeyupatree
3timesbuilda
3timesbuilda
31 May 2007

Ways to buy & build the dream home

Ways to buy & build the dream home

I have posted about an equity loan that may be just right for such a situation. https://forum.homeone.com.au/viewtopic.php?t=2167 Certainly worth investigation. 3xb

8
2418
3timesbuilda
May 31, 2007 11:12 am
3timesbuilda
mattwalker
mattwalker
1 June 2007

early settlement

early settlement

thats just nasty!! :evil:

4
1886
mattwalker
Jun 01, 2007 11:19 am
mattwalker
ahuang
ahuang
1 June 2007

Owner Builder

Owner Builder

Maybe if we start the build off using our cash then ask for a reno loan instead....do you think that would work…

6
2124
ahuang
Jun 01, 2007 1:11 pm
ahuang
Yak_Chat
Yak_Chat
1 June 2007

Investment Strategy - Is this workable?

Investment Strategy - Is this workable?

One trick in this strategy is to not get greedy with your rent!!! I suggest you price the rent at or slightly below the market value and be very dilligent with your…

5
1552
Yak_Chat
Jun 01, 2007 3:00 pm
Yak_Chat
Adrian B
Adrian B
7 June 2007

Mortgage question

Mortgage question

My 2 cents worth. I would strongly recommend you contact an independant broker, get them to come over and go thoru your situation. Talk to them about your plans, income…

14
2575
Adrian B
Jun 07, 2007 6:16 pm
Adrian B
bel&simon
bel&simon
15 August 2007

Section 27 help!!!

Section 27 help!!!

I'm really hoping someone might be able to help me with this one! sorry, this is a long & detailed story! We sold our house in mid June. The section 27 was signed by…

0
1200
bel&simon
Aug 15, 2007 7:46 pm
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
1517
Yak_Chat
Nov 17, 2007 1:13 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
4385
louie
Dec 14, 2007 4:22 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…

11
2249
Dean Lynch
Mar 18, 2008 2:50 pm
commodorenut
commodorenut
18 March 2008

Owning Outright

Owning Outright

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

13
2269
commodorenut
Mar 18, 2008 8:33 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…

3
1285
Helyn
Apr 02, 2008 10:32 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
844
Helyn
Apr 08, 2008 10:01 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
3284
Casa2
Apr 12, 2008 6:07 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
1131
boomerj
Apr 15, 2008 4:10 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
1123
Helyn
Apr 22, 2008 10:17 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
1780
Jane
May 06, 2008 3:17 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
1189
Helyn
May 14, 2008 9:06 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
8371
Eager
May 16, 2008 10:23 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
1116
sha
May 17, 2008 11:13 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
4567
wonderland
Jun 03, 2008 3:24 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
2701
razzle
Jun 25, 2008 4:20 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
3081
hlgee
Jul 02, 2008 7:47 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
2849
claego
Jul 08, 2008 10:26 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
875
winniey
Jul 08, 2008 4:04 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
1081
Matrix
Jul 12, 2008 12:19 am
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
843
claego
Jul 19, 2008 11:11 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
820
ChrisL
Jul 30, 2008 8:58 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
943
sandra77
Aug 06, 2008 10:23 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
608
ducky_1983
Aug 14, 2008 9:21 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
821
Mikaela_D
Aug 22, 2008 1:00 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
1601
Sassy_Bud
Aug 27, 2008 6:47 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
651
Allan Faint
Oct 02, 2008 5:15 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
2003
thlo
Oct 13, 2008 4:03 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
615
thlo
Oct 17, 2008 10:07 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
2775
thlo
Oct 18, 2008 2:40 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
2863
thlo
Oct 18, 2008 2:54 am
thlo
in_for_the_experience
in_for_the_experience
20 October 2008

Choice - PD

Choice - PD

Thanks for your advice guys.

6
514
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
582
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
864
Shue
Oct 28, 2008 11:23 pm


Featured Professional

Intellichoice Finance Brokers are enabling owner builders throughout Australia, obtain the finance they need to build their dream. Our highly qualified team provide hassle-free competitive mortgage options with our extensive list of lenders. Speak to our customer care team on 1300 55 10 45.

Brisbane QLD
Contact Us
Related Professionals
Browsing this forum

No registered users and 3 guests

Australia's largest home building and
renovation community
Homeone
About

Terms
Privacy

Follow homeone on FacebookFollow homeone on TwitterFollow homeone on Google+
All comments made express the views and opinions of the author and not the Administrators, Support nor Homeone Australia & New Zealand
© Homeone Australia & New Zealand All Rights Reserved ‎2001 - 2017