Thanks Tony. Ideally, I would like to refi with cashback on 0 net balance; and then use XXX amount for share purchases when required, but was...
I totally hear what you are saying. Ironically I am looking to refi OUT from the Westpac group (one of their brands) as I have been having a hard...
The cash back would be the main driver, with the 250k used for short term share trading so the funds may be in/out of the offset/redraw depending...
Thanks Rolf. I do understand it's not the best deal for the lender!
Hi all, For mortgages which are fully offset or have full amount of funds in redraw resulting in a loan outstanding figure of 0; for discussion...
Thanks! That makes sense. Servicing aside, what are some of the negative surprises that can arise with valuations going this route?
Ah that's interesting. Did not think of that. Would there be issues related to the existing loan if we are demolishing the dwelling? Also, in...
Existing dwelling is really old, so best guess land val is say 700-750k. End value of build no idea tbh, as intend to live in. Best guess based...
Hi folks, I was wondering what is the 'correct' sequence to sort out the following requirements: Existing residence- CMV 900k OO Loan 600k Offset...
I don't know tbh...! Would we really have to move the funds to some obscure acct? :D
Thanks ! Not frontline unfortunately (fortunately?). Is ANZ still suffering from processing and approval delays ?
Just pure ROI from cashback. Potentially to refi again thereafter. Current loan pretty much full offsetted hence not too fussed about rate.
Hi folks, Ignoring interest rate, which lender has the highest cashback offer at the moment, without lock in terms or need to fix ? Owner...
For landed properties, and since you mention you'll be driving - how bout Pascoe Vale?
Thank you
Thanks! I guess we're on the same side of the woods :D Good practical advice on visually checking the actual building. Dumb question- On getting...
Was wondering what are options to independently verify the information, and also cater for those situations where a property is currently not listed.
Hi folks, In the process of working out numbers for investing into low rise apartments or units, how would you be able to determine what is the...
Hi Y-man, Would you kindly share some examples of streets or suburbs where these can be found in Melbourne? Also, as a purchaser, how do you get...
Hey everyone, Happy to have found this forum and I am a recent lurker. This forum feels huge so will need to spend some time figuring out where...
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