Home Loans & Personal Finance

Simon W.

Albury, NSW

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Should I put some extra cash that I have received into my super or pay off my mortgage?

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7 years ago

Fae B.

Reservoir, VIC

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Hi, we're Melbourne residents looking to buy our first home. We saw an apartment and we have 20% deposit. However, we found out that the property is leased til June 2018. Some lenders said they only approve if the property has under 6 months of lease left. One lender agrees to approve our loan but in investor's rates until we take over the property in June 2018, then they will convert to owner occupier rates. Is this legal? Also, do we still get stamp savings as first home buyers if we proceed?

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7 years ago

Paul R.

North Albury, NSW

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Hi,
I currently have a mortgage. I also have some credit card debt which i would like to move forward on. Do i have any options in regards to refinancing my home loan and include the credit card debt?
Thanks.
Paul Rawkins

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7 years ago

Moe S.

Brisbane, QLD

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What would be more likely to be accepted by the bank for a land & house package loan.
My credit history is good with no defaults, just credit inquiries. Also I have a personal loan where I owe the bank $25000 and making my $880 monthly payment on time.
I am looking to get a home loan for $400000 from the bank and have got $40000 in savings.But I don't know if I should pay off my personal loan first then I have less deposit or I could get the home loan without paying my personal loan.plz help?

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7 years ago

David H.

Barooga, NSW

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I am a discharged bankrupt and my wife is here on a spouse visa. Despite being advised otherwise we are still having trouble getting finance for a car that my wife needs to get to work. What are our options?

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7 years ago

Shawn D.

Mango Hill, QLD

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I bought a car under finance with registration and insurance.
Gave it too my daughter under the arrangement that she will pay fortnightly installment,she changed the registration into her name and no longer pay instalments

Because the finance company has got the loan under make/model/registration of that car,have I got rights too repossess the vehicle?

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7 years ago

Tina J.

Ryde, NSW

3 Likes
0 Followers

I’m a lending manager for one of the major banks but thinking about becoming a mortgage broker. Can I ask about the challenges mortgage broker have at the moment, which aggregators you would recommend and what do I need to consider in relation to the commission structures?

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7 years ago

Holly N.

Port Kennedy, WA

6 Likes
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What's the best way to approach my bank to try and obtain a better interest rate?

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7 years ago

Anita T.

Canterbury, VIC

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My partner and I are separating and I'd like to know if it is possible to freeze our redraw account until our house is sold?

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7 years ago

Anna F.

Muswellbrook, NSW

4 Likes
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We live and operate our business on 100 acres in the Hunter Valley. We’ve been with the same bank for many years but they keep raising the rates and we would like to ask if we go to refinance will other lenders look at our security or is it just the big banks?

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7 years ago

Bec T.

Haberfield, NSW

3 Likes
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My husbands a builder and we want to extend our home loan to renovate but for the bank for some reason is taking forever to approve. We are thinking of refinancing but first wanted to see if other banks will look at our loan and building plans?

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7 years ago

Leigh S.

Frankston, VIC

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Had a few credit issues… is there a minimum credit score you can have and still qualify for a home loan?

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7 years ago

Oliver T.

Carlton, VIC

8 Likes
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Hi… what are the benefits of buying an investment property in a family trust and what impact does it have on being able to get a loan?

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7 years ago

Michael C.

Edith, NSW

31 Likes
6 Followers

Is the LVR the same for purchasing commercial property through a SMSF as it is via normal channels?

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7 years ago

Piers G.

Alexandria, NSW

2 Likes
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I own a commercial terrace in Sydney with an office on the ground floor and a self-contained residential apartment on the two floors above (with its own access). The property is on the one title and isn't strata. I'm having a hard time finding a bank that wants to refinance the property and I'm not sure why - I have tons of equity in it. Can anyone suggest a good path to go down to get the property refinanced?

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7 years ago

Emily G.

Zetland, NSW

6 Likes
1 Followers

My partner and I are earning good money, 120k and 80k and pay $1,100 a week rent. We have found a property we like and want to ask if it is possible to borrow 100% of the property, about $820,00?

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7 years ago

Jordan R.

Oran Park, NSW

3 Likes
0 Followers

Our credit history isn’t good because of a struggling business but all debts have been cleared. I have had a full time job for 2 and half years and my wife for 18 months and we want to see if we can buy a new home. Will our credit history stop us from getting a loan, what deposit will we need as we have around $60,000?

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7 years ago

Tony M.

Essendon, VIC

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Hi - question about a home loan – how do you know if a mortgage broker if offering us the best loan… why just mention ANZ and Westpac, how long should we have to wait for approval?

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7 years ago

Robert S.

Coffs Harbour, NSW

5 Likes
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Hi, our home was valued at 660k 18 months ago and we have a home loan for around 476k. For various reasons (no credit issues) the credit card balance is now 18k and we want to know if it is possible to increase the home loan to pay off the credit cards. We both work and earn about 132k combined and have no other debts, is this possible?

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8 years ago

Marika Z.

Stafford, QLD

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Hi, my Dad wants me to be a trustee and beneficiary for a property he wants to buy in Tasmania and live in it. I get no benefit from the transaction. No rental income...nothing. What am I obligated to do if I do go ahead with this? I would have to declare this on my tax but if I'm not receiving rental income, what's the benefit? What am I also liable for if anything goes wrong? Thanks

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8 years ago