Yeah to be honest that analysis is a bit rudimentary almostthere. Here are some questions for you... Do you have any plans to invest in more...
The pod was a little too much of a point of differential for me.
The bottom line is, all other things being equal, I/O puts cash in your hand today at the expense of bigger liabilities to be paid down the road....
In my view, that would not be a great use of the funds in 'most' situations. Here are some hypotheticals where it does make sense... 1. You're...
Sure. But depending on the size of your loan, the tax advice may cost more than getting it wrong either way. I subscribe to sticking your finger...
I don't think it is as simple as you think MC1 but I'm happy to start a conversation about it here with interested parties! Interest only...
Well I put a +. :p;)
When you guys talk about being 100% invested in names like RAC, are you talking about a 20k portfolio or 200k+? There's a big difference.
I think it's safe to say I have the answer. I just hope no offence was taken at the question in this safe space; I hope it is understood why I...
Thank you for the more detailed explanation Peter. I do understand and I'm not trying in any way to minimise the value that a broker adds. I would...
No doubt you would be right about that aside in 99 out of 100 circumstances!
One broker do you mean Jess? Oh. You mean one lender that will actually adjust the broker's commission? Regardless of what could otherwise be agreed?
I'm tossing up between Bank 1 (larger loan size, higher rates) and Bank 2 (smaller loan size, lower rates). The disparities mean that I am on the...
The fixed is about as good as I have seen from CBA 4Y. I've seen 1.88 on a higher loan size and 1.85 for staff members. This was before they...
Thank you for the thoughts Terry.
Thank you for the thoughts Jess.
Thanks Peter. Definitely makes sense to me why banks overall like the broker model. I'm just not sure it works out in all individual situations if...
Do the rates offered to customers through brokers tend to be higher than what banks would offer direct (to account for the commissions)? I would...
Is this the Wealth Package? Under that, their advertised rates are 2Y 1.94 and 4Y 2.19. So they are offering you discounts of 15bp and 20bp below...
Hi Terry I understand well enough the concept that it is the purpose of funds (not the security) that determines the tax deductibility of...
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