6.14% is pretty competitive for 90% LVR. Unless the loan size is substantial over $1mil and lower LVR, CBA not even offering this rate for 80% LVR...
Assuming you meet the borrowing capacity - the total you will borrow to purchase a property for $750,000 = $750,000 plus stamp duty cost - roughly...
3 business days currently for assessment
It depends on the client's actual financial position, because Liberty's niche borrowing capacity assessment is when client has existing mortgages...
I use Liberty if all fails with other lenders in terms of borrowing capacity. But Liberty competes with non-bank lenders like Pepper, LaTrobe, MA...
Some brokers charge an upfront fee whilst some brokers are happy to just be paid the commission from the lender. It may depend on the complexity...
You can look at the property share option with CBA. Purchasers would be your parents and yourselves 50/50 Loan of $500k in your names only (LVR...
You would still need to declare your child in the application but what you can look at is go with a lender that has common debt reducer policies...
Ask your broker to let you know what best rates other lenders are offering. Use that info to then speak with your bank's retention team and let...
You can do the equity release amount of 20% plus cost. And the get pre-approval for the 80% against the new purchase property. (subject to your...
1. Yes, there is ANZ and Bankwest who go off stand-alone one year financials 2. They will go off tax returns 3. Ongoing income can be considered....
Different lenders have different ways of assessing casual PAYG income. Some annualise YTD and then shade the income to 46 to 48 weeks, whilst some...
Have seen online/digital lenders llike Athena do this too.
One payslip and employment contract should be sufficient.
if foreign income, St George/Westpac doesn't accept bonus income. CBA accepts foreign bonus income, but need to see last 2 years.
Yes shaded to 80%
St George Bank and Westpac accepting latest bonus within 12 months
Speak to a broker as brokers won't just focus on interest rates but look at your overall situation - short-term goals/long-term goals and find you...
Call the CBA discharge team (retention team) on 1300 219 166 - they will be able to offer better rates compared to just calling the standard...
Agree with splitting the loan for accounting purposes.
Separate names with a comma.
