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plc
plc
20 February

New home finance

New home finance

Even BOM (or St George to rest of the country) do it as well. Servicing on end debt only as well.

4
2384
plc
Feb 20, 2019 12:53 am
Berek
Berek
26 April 2017

Wanting to buy but.....

Wanting to buy but.....

I think you can also ask some of your friend to lend money since you are unable to borrow money from bank.

1
1488
Berek
Apr 26, 2017 9:29 pm
wongbruce
wongbruce
3 February 2017

Paying Deposit

Paying Deposit

As a solicitor I can advise you of the following: For land - Yes we always try to negotiate a 5% deposit. For builders contract - 5% of usually the amount that…

3
1140
wongbruce
Feb 02, 2017 11:21 pm
wongbruce
wongbruce
1 February 2017

Application Enquiry

Application Enquiry

As a Solicitor, I have had no problems at my end for my own clients. My clients loans were all approved within 1-1.5 weeks. If you do it directly with the banks that is.…

4
982
wongbruce
Feb 01, 2017 1:09 pm
Saluja
Saluja
5 May 2016

Land Contract Advise

Land Contract Advise

Hi Thomas Which city are you in, I may be able to recommend a professional in the area who can help you with your situation. Regards, Harish

2
902
Saluja
May 05, 2016 9:45 am
plc
plc
23 February 2016

Selling and Buying - current loan is guaranteed

Selling and Buying - current loan is guaranteed

You are really out of luck I would say Zelda. Lenders only allow security guarantors nowadays, the only lender I know that allows servicing guarantors (income) are ANZ but…

4
1378
plc
Feb 23, 2016 12:31 am
naritas
naritas
27 January 2016

Suncorp Bank Home LOan

Suncorp Bank Home LOan

Hi Gunners13, Suncorp is somewhat overpriced for construction lending at present. Our company has placed a significant volume of loans with them over the years and the…

4
1643
naritas
Jan 27, 2016 10:29 am
naritas
8
2975
becjarrettdalton
Mar 25, 2015 1:45 pm
becjarrettdalton
CB Invest
CB Invest
22 September 2014

Value adding upgrades?

Value adding upgrades?

Hi, Adding value really depends on the property, the suburb, the attributes of the home and what the land can be used for. It all comes down to the comparable properties…

1
778
CB Invest
Sep 22, 2014 5:44 pm
Seethe1
Seethe1
6 August 2014

Nervous about approval

Nervous about approval

Do up your own budget and also adopt standard living costs at about 30k for a couple and 16k per child. For the loan repayments use a principal and interest calculator…

7
1655
Seethe1
Aug 06, 2014 8:31 pm
LaceyM
LaceyM
3 June 2014

FINANCE or NOT heating&cooling & fencing & landscaping

FINANCE or NOT heating&cooling & fencing & landscaping

If you bought in an estate read over the design guidelines, in ours we must have all visible works (front landscaping, letterbox, fencing) done within the first 3 months…

3
925
LaceyM
Jun 03, 2014 1:49 pm
LaceyM
Jamie M
Jamie M
21 May 2014

finance for 2nd house

finance for 2nd house

Hi Hachy Whether a bank will lend for the second property will come down to your overall borrowing capacity and the availability of a deposit (either via equity or…

2
768
Jamie M
May 21, 2014 12:25 pm
Jamie M
KGsGirl
KGsGirl
17 January 2014

Do holding deposits form part of your overall Deposit?

Do holding deposits form part of your overall Deposit?

Our tender fees etc counted as part of our 5% deposit!

4
984
KGsGirl
Jan 17, 2014 8:05 pm
KGsGirl
hachy
hachy
5 September 2013

refinancing and valuations

refinancing and valuations

If you had less than 20% deposit did you pay LMI? Will you be borrowing more than 80% of the purchase +5% (ie value) with the new bank? Is the…

9
1540
hachy
Sep 05, 2013 10:25 pm
hachy
xxkatxx
xxkatxx
1 July 2013

What happens to "left over" money on loan

What happens to "left over" money on loan

we have the exact scenario as you...we finally got an answer that we would have to provide the invoice to the bank and draw from the loan just like a progress payment for…

2
1190
xxkatxx
Jul 01, 2013 8:29 pm
jtrain81
jtrain81
15 June 2013

Principal & Interest or Interest only - Primary Place of Res

Principal & Interest or Interest only - Primary Place of Res

Thanks guys. I thought this advice was dubious, given my mortgage broker shot it down, but just wanted to make sure. As you say, if it worked this way, everybody would…

3
962
jtrain81
Jun 15, 2013 10:16 am
juski
juski
23 October 2011

Can a broker override minimum loan amount? BankSA or CBA?

Can a broker override minimum loan amount? BankSA or CBA?

Thanks for your advice Mike. I emailed the second broker and pointed out to her where on the CBA website it said the minimum loan amount, and asked her to show me…

2
769
juski
Oct 22, 2011 11:41 pm
juski
shape
shape
14 July 2011

Eeeek!! Bank valuation on land way too low!

Eeeek!! Bank valuation on land way too low!

You can fight the valuation if: 1. you have solid proof of comparative sales in the last 3 month ( no older- and the sale must have settled) 2. Similar property ( not just…

4
1810
shape
Jul 14, 2011 8:06 pm
shape
aza0
aza0
15 March 2011

Anyone used private investors?

Anyone used private investors?

Well with the new laws that banks have to abide by, I have no chance of getting a loan. I am now doing a 2yr Traineeship with Telstra with a stay at home partner who is…

5
1324
aza0
Mar 15, 2011 4:33 pm
magikalcrab
magikalcrab
21 February 2011

Finance for build?

Finance for build?

Thanks Arabella, I'm definatley going to have a chat to one some day. I just like to have a bit of knowledge before talking to the "pros" so I don't get taken for a ride!

16
1471
magikalcrab
Feb 21, 2011 4:35 pm
shape
shape
13 February 2011

Bank valuations

Bank valuations

Do the banks usually do a valuation of your house once it has been completed? I just finshed building my new house and the bank has sent me the…

6
1891
shape
Feb 13, 2011 1:17 pm
shape
Jme
Jme
19 January 2011

Where did you live when you built?

Where did you live when you built?
1, 2

Hi all Thanks so much for your replies. Apologies for not coming in sooner. We have decided to buy established. We could probably just squeeze by with rent costs and…

26
4190
Jme
Jan 19, 2011 12:28 pm
onebiggumby
onebiggumby
22 September 2010

Buying off the plan with no pre-approval - is it wise?

Buying off the plan with no pre-approval - is it wise?

thanks guys. youve definitely given me some food for thought.

6
2025
onebiggumby
Sep 22, 2010 1:36 pm
fitnhealthy
fitnhealthy
21 September 2010

Sale of contract - Do you always have to pay 10% deposit?

Sale of contract - Do you always have to pay 10% deposit?

Thank you everyone for taking the time to respond to my question. It helps to be well informed especially when one place I went to look at 2 days after it went on market…

7
1980
fitnhealthy
Sep 21, 2010 8:08 pm
Stressed
Stressed
20 September 2010

Builder having problem obtaining indemnity insurance

Builder having problem obtaining indemnity insurance

Thanks for the responses so far. We have signed a contract and it might not be so easy to get out of. As far as I am concerned they have breached it but trying to get…

4
739
Stressed
Sep 20, 2010 4:48 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
1189
thlo
Sep 01, 2009 9:36 pm
thlo
thlo
thlo
2 June 2009

Home Loan & Interest Rates - to fix or not??

Home Loan & Interest Rates - to fix or not??
1, 2, 3

This is another great thread... riffa you have some excellent points, we are really unsure weather to fix it in or not.. it seems the banks keep…

55
3535
thlo
Jun 02, 2009 4:04 pm
thlo

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