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Last Post
Sparky0118
Sparky0118
29 June 2009

Anone used this software - mortgage watchdog

Anone used this software - mortgage watchdog

My uncle purchased the program, he says it works ok but he hasn't found an error big enough to report. There is a website called The Interest Guardian that offers a free…

3
1216
Sparky0118
Jun 29, 2009 8:17 pm
thlo
thlo
30 June 2009

Incorrect interest rate on loan papers .. shud v sign ??

Incorrect interest rate on loan papers .. shud v sign ??

Isnt the whole point of documentation for each party to cover itself? Your providing the bank with an escape avenue if you sign as far as Im…

5
384
thlo
Jun 30, 2009 2:01 am
thlo
Moodyfish
Moodyfish
3 July 2009

Sleepless in Settlementland!

Sleepless in Settlementland!

oh...we got approval for the land :-) it's in my other thread :-)

8
540
Moodyfish
Jul 03, 2009 1:00 am
Moodyfish
waiting wishing
waiting wishing
5 July 2009

FHOG

FHOG

Thanks for the reply. I thought that there would have to be some sort of conditions that applied. It is an awful situation for a 21 year old to be in but she also needs…

5
404
waiting wishing
Jul 06, 2009 12:59 am
coopsmummy
coopsmummy
7 July 2009

Loan approval times (Westpac)

Loan approval times (Westpac)

Took us about 6-7 weeks for unconditional approval with westpac for our land- ie, after valuations and everything - but that was earlier this year when things were a bit…

17
2702
coopsmummy
Jul 07, 2009 5:45 pm
coopsmummy
da68za
da68za
9 July 2009

beautiful comfortable and fashionable timberland,gucci shoes

beautiful comfortable and fashionable timberland,gucci shoes

Mate your a clown and wasting your time if you think you are going to even get one sale from your spamming ::lol:: ::lol:: ::lol:: ::lol:: ::lol:: ::lol:: ::lol:: ::lol:: ::lol:: ::lol::

0
318
da68za
Jul 09, 2009 2:47 pm
da68za
Yiima
Yiima
10 July 2009

So frustrated of waiting home loan, what's my option??

So frustrated of waiting home loan, what's my option??

Now as its all done, recommend and hope you are on variable rate.. If thats the case, live it through for some time and then in 9-10 months shop…

14
1021
Yiima
Jul 10, 2009 10:13 am
JNN
JNN
10 July 2009

Need advice on home loan

Need advice on home loan

He noted that my only options right now is get enough for 80% loan and forget LMI or pay out current loan and move bank. Both sounds like a dead end.

8
455
JNN
Jul 10, 2009 5:20 pm
mickeytg
mickeytg
10 July 2009

Debt Consolidation - When can we?

Debt Consolidation - When can we?

Thanks Thlo, appreciate everyone's contribution. Great site by the way.

18
673
mickeytg
Jul 10, 2009 7:42 pm
Tornado_ALIVE
Tornado_ALIVE
12 July 2009

How to know what loan u can afford, what interest rate?

How to know what loan u can afford, what interest rate?

We are going full variable and budget of 10%. We will pay our loan right from the start based of a 10% rate, building a bit of a buffer. Touch wood, I don't think we…

9
534
Tornado_ALIVE
Jul 12, 2009 10:23 pm
Tornado_ALIVE
ThatGirlCal
ThatGirlCal
14 July 2009

Deposit Questions

Deposit Questions

Sorry I can't answer your question about LMI but I just wanted to make sure that you are aware that PD will sting you at least $2000 per month, once…

4
355
ThatGirlCal
Jul 14, 2009 2:23 pm
ThatGirlCal
Nott
Nott
15 July 2009

Do u need paying progressive payment fee?

Do u need paying progressive payment fee?

Hi, Do u need to pay progressive payment fee? I'm with Ban. W, and when I join, I was suggested the lite plus package ( Annual fee $360, no application fee). Now, 1 yr…

0
211
Nott
Jul 15, 2009 12:28 pm
Nott
thlo
thlo
15 July 2009

Finance for purchase of house

Finance for purchase of house

Your 10% equity in the land IS GENUINE SAVINGS! Unfortunately, there are a lot of people (including credit assessor of a bank :roll: which had to be corrected by a mere…

3
261
thlo
Jul 15, 2009 3:35 pm
thlo
digamma
digamma
16 July 2009

Article re mum & dad guarantors for home loans

Article re mum & dad guarantors for home loans

We initially asked both of our parents if they would go guarantor on our loan and both were "disinclined to acquiesce to our request". However, coz I messed up when…

4
452
digamma
Jul 16, 2009 10:26 pm
digamma
thlo
thlo
20 July 2009

FHOG and investment Home loans

FHOG and investment Home loans

I am more worried about you losing your consumer rights under the Uniform Consumer Credit Code by ending up with an investment loan.

6
357
thlo
Jul 20, 2009 11:12 pm
thlo
thlo
thlo
22 July 2009

Low Doc 20% deposit using First Home owners Grant ?

Low Doc 20% deposit using First Home owners Grant ?

Was any of the work you did before you started your own business done as sub-contractor? As elastic said, you also need to have funds for stamp duty as well as 20%…

4
312
thlo
Jul 22, 2009 3:08 am
thlo
paul.jason
paul.jason
22 July 2009

Dingbat of a Mortgage Broker

Dingbat of a Mortgage Broker

We're about to compose a "goodbye" email to our broker...just looking for some help with the wording if we may. We want to say 'no thanks' without being offensive, but…

17
695
paul.jason
Jul 22, 2009 10:31 pm
paul.jason
Allan Faint
Allan Faint
23 July 2009

OB loan question

OB loan question

best you will get is 80% generaly 60%. Try a local building society or credit union smoetimes they will consider.

5
405
Allan Faint
Jul 23, 2009 4:42 pm
Allan Faint
Robenna
Robenna
26 July 2009

Banks! Valuations

Banks! Valuations

Yes they do have everything. We have signed out contracts and everything. They just said they needed to do the valuation, which has almost taken 3 weeks now!

3
377
Robenna
Jul 26, 2009 4:56 pm
alokin
alokin
26 July 2009

Roof Restoration

Roof Restoration

I would simply get a quote (not an estimate) or two. Then you have the price. You can even ask your Estate Agent if he knows someone.

3
228
alokin
Jul 26, 2009 7:55 pm
yvette72
yvette72
27 July 2009

Refinaning a fixed term loan

Refinaning a fixed term loan

My advice would be to stick it out thats what I am doing.we have fixed rate loan 0f 9.20per cent due to finish august next year.about 1 month after we signed rates started…

3
240
yvette72
Jul 27, 2009 8:19 pm
lisanne
lisanne
28 July 2009

BankWest Plenty Valley Phone Number?

BankWest Plenty Valley Phone Number?

Does anyone know the shop phone number for BankWest in Plenty Valley shopping Center South Morang Vic? All I can find is the 13 number for phone…

1
391
lisanne
Jul 28, 2009 2:13 pm
thlo
thlo
29 July 2009

Applying for a Homeloan during the Global Financial Crisis..

Applying for a Homeloan during the Global Financial Crisis..

He did'nt mention a 'solicitors mortage fund' but perhaps it was. One other thing I did'nt understand, he said that using the equity in my…

3
351
thlo
Jul 29, 2009 4:01 pm
thlo
thlo
thlo
31 July 2009

Progress Payments - St George Bank - Processing time?

Progress Payments - St George Bank - Processing time?

Nav, as customers deal directly with the progress payments team I haven't had much to do with this but from the occasional complaint about delays from customers, I gather…

1
770
thlo
Jul 31, 2009 11:45 pm
thlo
Moodyfish
Moodyfish
3 August 2009

Loan application approved! :-)

Loan application approved! :-)
1, 2, 3, 4

Congrats Kev!! Our construction loan has been applied for but since our land hasnt been released, they dont seem to be in a rush to process it.

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2782
Moodyfish
Aug 04, 2009 12:22 am
Moodyfish
lisanne
lisanne
9 August 2009

Loan settlement with Westpac

Loan settlement with Westpac

Hi, If they know settlement is going to be on that date they should be ready for it! I worked in the bank for ten years, they should be…

2
418
lisanne
Aug 09, 2009 2:02 pm
Annietom
Annietom
10 August 2009

Removal of Caveat

Removal of Caveat

christos I would leave settlement to the new date. Your conveyancor would advise gadens.

1
290
Annietom
Aug 10, 2009 8:40 pm
Annietom
at
at
13 August 2009

How can I avoid using a mortgage broker?

How can I avoid using a mortgage broker?

we are using a broker and couldnt be happier. Our broker came highly recommended, and he used to work for one of the big banks for many many years so i feel secure in his…

12
585
at
Aug 13, 2009 3:37 pm
ritab25
ritab25
14 August 2009

delayed titles

delayed titles

We bought a block of land in a new development. Signed land contracts in Feb with an expected titling date of June. We signed building contracts on July 1st. Loan has been…

0
195
ritab25
Aug 14, 2009 12:32 pm
thlo
thlo
14 August 2009

1st Home Owners Grant

1st Home Owners Grant
1, 2, 3

Am I correct in assuming that if we follow all guidelines and requirements and go for the FHOB through an approved agent, then we get to keep the…

44
5475
thlo
Aug 14, 2009 5:26 pm
thlo
jodge
jodge
14 August 2009

LMI calculation problem. . . mortgage advisors please help!

LMI calculation problem. . . mortgage advisors please help!

I think that's a big problem thlo. . . LMI rates aren't available to the average Jo-Blow. . . How are we supposed to shop around to get the best deal in a mortgage when…

2
1261
jodge
Aug 14, 2009 6:54 pm
jodge
Posnow
Posnow
15 August 2009

CBA valuation on land came in 5k short

CBA valuation on land came in 5k short
1 ... 4, 5, 6

Hi Williams Landing neighbours! I have a question regarding your soil tests and slab types. I'm in De Havilland (Stage 1) and getting ready to build, and I'm told I need…

109
4122
Posnow
Aug 16, 2009 12:56 am
A&B Financial
A&B Financial
17 August 2009

New home buyers should allow for higher rates

New home buyers should allow for higher rates

It's always a good idea to allow for higher interest rates within the future. You may be able to afford to make the repayments on the lower interest rates at the present…

4
490
A&B Financial
Aug 17, 2009 1:32 pm
Lakie
Lakie
17 August 2009

Buying Land now?

Buying Land now?

Thanks for the advice all, is very much appreciated :)

6
514
Lakie
Aug 17, 2009 6:09 pm
Miss-Build-A-Lot
Miss-Build-A-Lot
20 August 2009

Putting in an offer before Auction

Putting in an offer before Auction

Thanks very much for your responses! After much careful consideration, we have decided not pursure this property as it is a little bit too much risk for us at this point…

4
437
Miss-Build-A-Lot
Aug 20, 2009 12:11 pm
Miss-Build-A-Lot
AWR
AWR
20 August 2009

Section 27

Section 27

I'm going to take this 1 step further. I sold at Auction. Because I am looking to buy, a Section 27 was served to the purchaser. Why would a purchaser NOT sign it? I…

2
1068
AWR
Aug 20, 2009 2:38 pm
OMG
OMG
20 August 2009

Finance Brokers Using Forums

Finance Brokers Using Forums

I am not a broker but I did meet my current broker through an investment property forum. This broker is much more experienced than my previous broker (who I was referred…

1
380
OMG
Aug 21, 2009 12:34 am
thlo
thlo
21 August 2009

Newbie deposit question

Newbie deposit question

Eric, be careful when thanking me. :lol: elastic doesn't like…

10
609
thlo
Aug 21, 2009 2:13 pm
thlo
thlo
thlo
21 August 2009

How Much Deposit for Your Home Loan?

How Much Deposit for Your Home Loan?
1 ... 5, 6, 7

That was very prudent! And you were lucky. :)

121
5273
thlo
Aug 21, 2009 2:30 pm
thlo
Ozman
Ozman
23 August 2009

Collusion among the Banks to provide low valuations

Collusion among the Banks to provide low valuations
1, 2

berny - The biggest challenge for newly developed areas in Sydney is that there is little or no sales data for valuers to use. As such, they compare to adjacent areas…

30
1285
Ozman
Aug 23, 2009 12:34 pm
lozza81
lozza81
24 August 2009

Is this too risky??

Is this too risky??

WELL.....the loan was all approved last friday. AND thank goodness the risk we took paid off!! Value of dual occupancy came in at exactly $300K (what we paid at auction)…

11
1035
lozza81
Aug 24, 2009 9:55 pm
aLLaNNa1
aLLaNNa1
25 August 2009

Conditional Pre-approvals - have you been honoured?

Conditional Pre-approvals - have you been honoured?

Im going to apply for pre-approval soon. I think its valid for 3 months only. If I dont manage to purchase a property within this time frame, can I apply for pre-approval…

5
507
aLLaNNa1
Aug 25, 2009 6:57 pm
Sharksta
Sharksta
26 August 2009

debt

debt

It probably depends a bit on the company. They will usually assess your situation & consider the options best for yourself. These could include:- 1. Debt…

2
437
Sharksta
Aug 26, 2009 10:57 am
ibfragalot99
ibfragalot99
26 August 2009

Land contract - Subject to Finance clause - What $ to put?

Land contract - Subject to Finance clause - What $ to put?

Yep, unconditional for the land now and conditional for the house. You were right, the land guys got back to me and its fine. Yay :)

2
353
ibfragalot99
Aug 26, 2009 1:47 pm
ibfragalot99
aLLaNNa1
aLLaNNa1
28 August 2009

stamp duty and land tax

stamp duty and land tax

ah....i didnt know that. i've budgeted for a large stamp duty based on the total land + house, as per what i paid when i purchased my established house a few years back.…

5
2406
aLLaNNa1
Aug 28, 2009 12:19 pm
craigandamy
craigandamy
1 September 2009

CBA progress payment processing time?

CBA progress payment processing time?

we are up to our 3rd invoice and this one only took 4 days to be paid.... the first 2 however took 3 weeks and were paid at the same time...

10
1450
craigandamy
Sep 01, 2009 3:32 pm
thlo
thlo
1 September 2009

Land & Construction Settlement at the same time + FHOG

Land & Construction Settlement at the same time + FHOG

Thank you thlo I just phoned Revenue SA and they have advised me that it is approved, but the bank I am going through hasn't put in the…

7
1129
thlo
Sep 01, 2009 10:36 pm
thlo


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