Hi all, I’m interested to see what people think of our situation: PPOR: owe $580k @ 6.34% P&I - value ~$1m IP: owe $450k, fixed IO at 2.5% until...
My current loan situation is this: 1. Inv loan, P&I $603k @6.64% with ANZ and they are not willing to reduce the rate. Prop val: $820-$840k 2. OO...
I have an IP with the loan balance of zero ($0.00). I want to refinance this loan to take out money to buy a new IP. If I take out the money...
Hi all, When a lender offers a cash back incentive to refinance across to them - is the cash reward subject to tax? I assume this isn't the...
Hi When one refinances and provides bank statements, group certificates, is it normal now to have to also provide your past 2 yrs tax returns….
Hello experts, tried to search about it but could not find a clear understanding so asking here. Scenario: let’s say family with kids is in the...
Hi, I would appreciate some advice re the following: 1) My strata IP unit has an allocated car space on common property (as with other units in...
Hi all, I had a scenario I need help with. Currently I have a land loan that is principal and interest and a construction loan that is...
I have 2 investment properties: Loans Total: $1m Property Value Total: $3m They are positive geared. I left my corporate job in May 2021 to...
Hello Brains trust, How does refinancing work? Essentially we have a duplex being built, I was always going to sell to pay the lender back and...
Would anyone be able to shed any light on how mortgage discharge fees are charged by the banks, specifically CBA? Is it charged per loan or per...
Homestar is having a promotion of a loan package for PPOR at the moment. Home Loan | Homestar Finance Some features that are worth mentioning: 1)...
Hello All Thought I would bring this to the brains trust. Been reading the tax tips and have a question that I have yet to answer effectively...
Hi All I currently have an Investment loan that expires in a little over two years 283k IO variable at 4.27% with a 46k split P&I variable...
Hi there i am looking to refinance my partners property which is solely mortgaged to her till now with bank A and we are looking to refinance...
For a long time I have said that taxpayers MUST keep a CGT record for every property they own. Even their own home. Because one day they may need...
Just wondering as to how lenders look at refinancing existing loans ( or even new lending ) as you get older For example if you are in your early...
Interesting stuff and a warning to all to keep a tight watch over their finances Mortgage rejections double as interest-only reset bites -...
We are in the process of refinancing to Nab and they have the option to lock the rate for a fee of 0.15% of our balance. It means paying $1655 so...
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