Just having a look at the Saint's web site as we've a Variable interest rate loan with them that needs a better rate than what they currently have...
Hi, I currently have a $660K PPOR loan with WBC package (1.5 discount) approx 50% LVR and am looking into borrowing some of the equity (<80%) for...
As Global Depression is being talked about, if property values fall a lot, eg 50% or more, how likely is it for banks to call in loans, eg at...
Can someone explain the pluses and negatives of having a margin on top of the Bank Bill rate for commercial loans ? Borrowings $20m +
I have found reading these loan tips from Terry really helpful to me recently, so I thought to post them in list format in a single thread so...
Hi I have 2 investment property purchased with a 30 year Line of Credits with 2 different lenders and also one with a variable interest only loan...
Hi, I bought a property when I was in my mid 20's and a few years later I started a business. On advice from my accountant I've set up a Trust...
Hi everyone, Just thought I would as what people think of the portfolio loan structures? I have heard some banks offer these where you can apply...
Hi there, Anyone have any knowledge on the current offset accounts getting around at the moment? A quick google search suggest there are a few...
What happens if a parent has let an adult child use their home as security for the child’s loan and then mum dies? The guarantee would have...
I'm looking at a refinancing and PPOR purchase that will have all the loans with one bank (Macquarie). This will leave me with 3 loans with them...
Hi all, I recently got an offer from Mortgage House of 2.99% for my investment properties and I can choose whether to have my loans as 2 years or...
Hi Just wondering if someone's income is below HELP threshold, do banks still factor it in to serviceability calculations as a debt, like they do...
hello all As I plan to refinance my existing loan to St george and apply for a new purchase is that good to have two separate loans with one...
Loans can be great tools in estate planning. One strategy is the gift and borrow back which I have described at Legal Tip 115: The Gift and...
Loan Tip: Different types of Guarantees for Loans Basically, there are 2 types in guarantees in relation to borrowing money. They are a)...
Hi Team I have a client building 5 townhouses in Palmyra, WA. Does anyone know of any commercial lenders operating in WA that don't require...
I am looking to Refinance my PPOR. Currently I have 575K loan left. Assuming the valuation will be 800 K, I am also looking for approx. (80%*800K...
Not sure of the best way forward as it all looks expensive, property values have also dropped so above 80% LVR Our current rates with St George...
Hey all, got a query on my situation and interested in hearing others' thoughts. - Buying property for the first time (though will not be...
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