Cba.
3.1 is close to 2.79% once the rate reduction kicks in. I hate this bit, lenders have announced changes, but they don’t come into effect for a...
Formality? Like they would do it without seeing insurance and stamped plans? That’s not my experience. And all of the banks progress payment...
So I just got a 2 year fixed interest in advance, interest only at 2.78%. Thought that was a bit mad as oo P&i rate is currently 2.8%. Or will...
Haven’t met a lender yet that doesn’t want stamped plans and insurance before they draw the build loan. Cba isn’t special.
Most recent one wasn’t. 1st payslip is a settlement condition and they want to see funds to complete. Annoying as previously the gift letter...
No not eligible. Both need to be au citizens. It’s annoying. Diferent rules than fhog.
You need a signed build contract (not just plans) for the valuation. You need the valuation for formal approval and docs issue. To settle, or...
Or just a signed contract with a start date...
Trail isn’t and never has been payment for ongoing service after the loan is funded. Trail was devised by lenders in the 90s when they realised...
Rams aren’t brokers. Rams is a brand of westpac like st George and bank of Melbourne. Their franchisees have started writing with other lenders...
97 and 98% loans are a little less common. There’s one funder doing 100% loans for qualified fhb. From memory they need to have a certain income...
The bank lends up to 80% of $500k. At settlement this $400k changed hands. Like terry said you got to find the stamp duty but if you have...
Don’t do it. if you must, then yes, get an 80% land loan and try and find enough to get the house to certificate of occupancy. Once you have...
Liberty is also an option. They have a specific policy to consider previous payg income for newly self employed. Rates are a lot higher. Cba is...
I got bees this year. Yet to really get into the spring planting. [ATTACH]
Correct. Offset is. Ubank don’t have offset.
Yep. That’s a good test. If you can simply refinance that’s proof you got the strategy wrong.
The broker probably doesn’t have access to westpac vals system, they are still trying to have some kind of tiered system where only brokers that...
My earlier post offered a rebate on the 2year anniversary. The only way I could see it working.
Separate names with a comma.