so-tong posted:How long does it take for plans and permits?
Hi All,
I am building a custom house. We signed the HIA Victoria contract and tender on 9th November 2012. At the time of signing, our custom house plan was ready…
so-tong posted:Recommend termite annual inspection in Melbourne
Hi,
Does anyone have any experience with Enviro Aware Pest Control in Melbourne? It seems to have good reviews but when I submitted a service request( because the website says to…
so-tong posted:Should I change lender?
you still have time to make comparisons. If I were to go through things again, since I have not found a good broker just yet, I will meet a few…
so-tong posted:What actually happens - P&I repayment ANZ Simplicity Plus?
check with my broker. i think the principal segment of the P&I brings down the principal owing to the bank and brings up the amount of redraw consequently. looks like…
so-tong posted:Can share your thoughts about my refinance predicament?
Hi zozo,
do you mean that brokers can give a discounted rate on top of the published rate for Simplicity Plus? It is currently at 7.1%, lower than ANZ standard variable.…
so-tong posted:What actually happens - P&I repayment ANZ Simplicity Plus?
Hi lunchtime,
Sorry, I'm getting more confused now.
Why does the available balance for redraw reduces if I pay more? With my CBA loan, even though it does not allow me to…
so-tong posted:Can share your thoughts about my refinance predicament?
thanks kyton. it's reasonable not to be given any document proof to keep and hold 
but just a bit puzzled about him saing that I'm…
so-tong posted:What actually happens - P&I repayment ANZ Simplicity Plus?
Hi,
Does anyone know what actually happens when you opt for P&I repayment method, particularly in ANZ Simplicity Plus?
Say the loan starts with :
Principal = $300K
Redraw = $50K
Interest Rate = 7.1%
Duration…
so-tong posted:Your take on non-bank lenders (eg MyRate, Homestar..)?
1. CUA - offers a discounted variable rate for >$250K. low exit fees of I think $350+ $200 within 4 years. Offset account with no ongoing account fees. But you…
so-tong posted:Can share your thoughts about my refinance predicament?
hi zozo,
Much appreciation. you have shed lots of light on me, I am very enlightened. I was really feeling obliged for the ANZ valuation. With your information, I have the…
so-tong posted:Your take on non-bank lenders (eg MyRate, Homestar..)?
thanks for sharing. I notice they have high exit fees too.
so-tong posted:Your take on non-bank lenders (eg MyRate, Homestar..)?
Hi All,
Do you have any experience with non-bank lenders such as My Rate, HomeStar, State Custodians etc...to share?
Most of them have more competitive interest rates, terms & conditions as compared…
so-tong posted:Can share your thoughts about my refinance predicament?
I started exploring refinance options with Aussie Home loan. The broker spent about 4 hours with me which he painstakingly went through options, answered my queries and even checked the…
so-tong posted:New To The Forum - Building With Frenken Homes
your soil test is good. mine is $4100 and i thought it was good. yours is even better. That is great.
so-tong posted:Should we be concerned?
Don't wait, just call. The "not getting back" , leaving you wondering "what's going on?" seems to be happening in many cases, not just builders. Even those that said they…
