Laura T. Korumburra, VIC 0 Likes 0 Followers With the first home buyers grant, how much would I need to have saved? Secondly, how difficult is it finding a private lender?Thanks so much for any advice. 7 years ago
Georgie F. Ballarat, VIC 3 Likes 0 Followers We like the idea of having some of our home loan fixed ... we have been offered 3.56% variable but the 3-year rate is 3.99%. If there is no likelihood of rates moving then should we just choose the variable rate? 7 years ago
Kathy H. Hamilton, NSW 4 Likes 0 Followers Our home loan is 50% variable and 50% fixed….. and the fixed term is about to mature. The variable rate is 4.39% and they have offered 2 years at 3.99% and 3 years at 4.09% or make it all variable. Are these the best rate available on a 620k loan? 7 years ago
Lisa M. Penrith, NSW 1 Likes 0 Followers Hi, I’m a first home buyer and looking to buy a property around $650k. I have $300K in saving and will need to borrow about $400K. I have run my own business for 3 years and wanting to split the loan 50% variable and 50% fixed for 3 years. What are the best rates available? 7 years ago
Jade S. Rockingham, WA 3 Likes 0 Followers My sister, brother and I would like to buy a property together and we have been asked if we want to buy the property as joint tenants or tenants in common. What do people recommend? 7 years ago
Debbie M. Tamworth, NSW 1 Likes 0 Followers We want to buy an investment property in Port Macquarie, Price - $720,000. We own are own home and want advice if we can use the equity to buying the property and cover all the costs. Our home would be around $330,000. Can the property in Port just be in my husband’s name as he works full time - income $85,000, thank you? 7 years ago
Zac M. Panania, NSW 0 Likes 0 Followers Hi, I have a question about my home loan as the interest only period expires in early May. I want to keep it interest only but the bank has said no and it will be principal and interest. There is no problem making the repayments but I would just prefer interest only. Is refinancing my only option?RegardsZac 7 years ago
Isabel G. Lilli Pilli, NSW 3 Likes 0 Followers Our home loan has been fixed for 3 years as we wanted certainty in the repayments and haven’t paid off much off the principal. We want to pay more now but have been offered 3.89% for 3 years. Should we fix again or have a variable rate so we can pay more? 7 years ago
Sam H. Kellyville, NSW 5 Likes 0 Followers We are finding it difficult to save as we have 4 kids, paying $800pw rent and lived in the same home for 3 years. I earn $120,000 and my wife $55,000 … is there a way to borrow given we pay so much in rent, thanks? 7 years ago
James M. Port Melbourne, VIC 0 Likes 0 Followers Hi there, has anyone had issues transferring a credit card balance to Qantas Premier? I recently got the Qantas AMEX Ultimate card and requested a balance transfer to the Qantas Premier card but apparently Qantas Premier (issued by Citigroup) won’t accept balance transfers. Anyone got any experience with this? Thanks 7 years ago
Angie T. Moorabbin, VIC 2 Likes 0 Followers We are keen to buy in the area we currently live, approx $1.2m. Like to know what’s the maximum you can borrow with and without mortgage insurance, thanks? 7 years ago
Ian L. Rouse Hill, NSW 1 Likes 0 Followers Home Loan is 590k and our home is around 900k. I called our lender and they dropped our rate from 4.34% to 4.04% this week. Is that enough, could they do better or should I look to refinance? 7 years ago
John C. Revesby Heights, NSW 3 Likes 0 Followers We have a small loan, 150k on our home probably value about 900k and an investment loan for 460k and value of property 600k. We spoke to a broker about refinancing and they suggested combining the two loans into one loan over our home and leaving the investment property with no debt. Is that a good idea? 7 years ago
Sammy T. Cabarita, NSW 6 Likes 0 Followers I have been wanting to refinance but for whatever reason didn’t get around to doing it – now I started a new job 2 weeks ago …. same profession but new company. Could I still refinance … loan amount $630,000? 7 years ago
P M. Fortitude Valley, QLD 2 Likes 0 Followers Is it possible to apply for a commercial loan when investing in a block of 6-8 units (residential tenancy, units registered together as one). I understand there would be a lower LVR in this scenario but just wondering if this is possible.Would a commercial loan take into consideration my own serviceability from my own personal income?Thanks. 7 years ago
Rikki W. Caringbah, NSW 2 Likes 0 Followers I have an interest-only loan with Westpac at 4.84% and owe $680,000. If I change to principal and interest what is the best rate I could get without paying an annual fee? 7 years ago
AnneMarie K. Burnside Heights, VIC 4 Likes 0 Followers Any feedback would be greatly appreciated. There was a mobile speeding camera that was attached to the car and it was at night time that I went past it at the opposite direction. Now, my question is, because I was going opposite direction, and their was a very island in the middle of the road with big trees that was separating the road, do you think the speeding camera would of caught me if I was speeding (considering there was a long island in the middle of the road with trees in the way)? 7 years ago
Chris T. Edgecliff, NSW 0 Likes 0 Followers Hi, there’s a property in Glebe I’m thinking of buying …….. it is a townhouse with a commercial zoning and a business operating on ground floor…I would live upstairs. My question is what percentage of the purchase price could I borrow? 7 years ago
Ben B. Frankston, VIC 3 Likes 0 Followers I have the 15% plus the cost to buy a property, $850,000 – is there a way around having to pay mortgage insurance? 7 years ago
Pete A. Zetland, NSW 4 Likes 0 Followers My partner and I are separating but I would like to try and keep the home. The property is valued at $1.3m and we currently owe $290k. We have agreed on a settlement amount of $700,000 and I would like to see if I can increase the loan to $1M. I have stable employment and earn $270k p.a. There are no other debts, no children and I could rent out the spare room for $110pw. Is this possible? 7 years ago
