Use the money in the offset to pay down the deposit for the next purchase rather than a new application? Convert the PPOR to Investment property,...
Yep I remember the first property we purchased years ago, the selling agent asked us to sign a new copy of the contract a day or two after we...
I would keep the money in the offset if I am still entertaining thoughts of future investments, tax deductions etc. What are your future plans for...
Ah I thought they were lending my money back to me! o_O Read again - where did I say they can't change the rules? Just trying to understand the...
Agree with the above poster - fantastic brokers right here on this forum including mine :)
I don't understand why an application was not required to split loan A into B & C, whereas an application is required to combine split loans B & C...
I rang ANZ to ask them to combine 2 x P&I variable splits into one to take advantage of some surplus funds in the offset account linked to one of...
I hear you! But a number of professionals are still putting in their thoughts and suggestions to help OP out - just goes to show the quality of...
Also check out Liberty Star product which allows 95% LVR with $3M max limit. Fees are high and don't know whether they self insure or go to a LMI...
There are incompetent brokers out there, just like in every other profession. My one who I found from these forums was constantly not on the ball,...
I don’t know about what lender does what but I think some lenders may only consider OT if it can be demonstrated in the previous financial year...
Yep not advocating ANZ as I don’t know what they are like as a lender. Anyone care to share what ANZ are like - their niche, their calculator and...
Reckon ANZ are increasing their refinance rebate to $4000 shortly.
So did you find the broker from these forums? If not, why not? I wouldn’t panic just yet, and wouldn’t worry about what had happened already....
How long are NAB credit taking to decide on applications these days after it has passed the preliminary checks department? One of our loans has...
Yep Peter, he is awesome - patient and willing to help always. Unrelated - what are NAB taking for a refinance application these days? Any chance...
They take with both hands!!! And it is not fair. Do they want business or not?
If Westpac ever see this, you are hired in their marketing team!
Haven't they reversed this now Redom?
Euro73, are the rental figures in the examples shown by Westpac shaded at 70% or 80%? What about OT & bonuses for income calculation, are they...
Separate names with a comma.