mwa7876 posted:Home Loan Re-finance
current balance is 3+ and my current rate of interest is 7.11 from CBA.
ANZ would give you a rate of 6.90% p.a. or 6.95% p.a. on this loan amount. It…
mwa7876 posted:Loan approval with high % unsecured debt?
You should be fine. A lot of unsecured debt can affect your credit scoring (at the lenders that use credit scoring) but it looks like you have other factors in…
mwa7876 posted:Home Loan Re-finance
Hi Namz
ANZ is offering a subsidy of up to $1000 to offset switching fee cost charged by other financial institutions for Breakfree Package customers for loans more than $250K.
What is…
mwa7876 posted:CBA's Wealth Package and Interest Offset option!
Interest will only be charged on the ongoing balance during the construction period. It won't be charged on the full loan amount until the loan is fully drawn.
In regards to…
mwa7876 posted:Pre-approval - what good is it?
Not all pre-approvals are useless. It depends on the lender you use. For example some lenders we use, such as Bankwest, only electronically assess pre-approval applications. An assessor doesn't even…
mwa7876 posted:Bank Valuation Short!!!! what to do??
Hi Alfy
Will you paying for the property once it is complete or are you making progress payments to the builder? Judging by your comments it appears you only pay for…
mwa7876 posted:FHOG at or after settlement?
I am with Trent and thlo on this one. I always lodge the FHOG application with the lender and it is paid at settlement regardless of the LVR. I can't…
mwa7876 posted:Online House Valuation
In my experience those online house valuation websites refer you to a local affiliated real estate agent who will then contact you to arrange an inspection of your property. Companies…
mwa7876 posted:Let me tell you about a funny FHOG story vs the bank
Just wondering when our FHOG gets paid to us? In the letter from the SRO, it seems that they wont release the funds until settlement of the house, is this…
mwa7876 posted:Is this okay to do?
But, it has free redraw and the min is 2000 dollars and it can take up to 5 days to have access to the money.
Are you sure it takes 5…
mwa7876 posted:Does anyone have ANZ Simplicity Plus?
On interest only yes it fluctuates depending on the interest rate...if you are on interest only how can it fluctuate any other way as you are not paying the principal…
mwa7876 posted:When do you pay your 20% of the building loan
The key with any lender, and especially CBA, is to not trust them to do anything right. You need to keep on top of them for everything whether it processing…
mwa7876 posted:When do you pay your 20% of the building loan
Hi wonderland,
You wouldn't pay the 20% deposit to the bank. Although the bank needs you to make your entire contribution before they will release funds you actually have to pay…
