We consolidated our debts about 3 months after moving in. Having said that we did have over $65k in equity and we only needed $15k. Settlement is set for the…

We didn't build but we received the FHOG on settlement day and we put it towards all the charges such as stamp duty etc and the rest into the mortgage.

I use Allianze Insurance through our Credit Union. Very cheap and have never had a problem with them.

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

Thanks again. I'm going to ring them Friday and see what they have to say.

The interest rate of the personal loan is at 12.99%. We did talk to the bank before we got the home loan as we wanted to pay out the personal…

My wife and I just bought our first home and moved in two months ago. Our Mortgage is a variable rate (4.91%) and we pay the mortgage fortnightly. We only…