Hi all, 1st time poster. I am currently looking to refinance my properties. PPOR, 650k loan (70-80% LVR) p&I 6.04%, one of big 4, 27 yr left....
Hey guys, When selling PPOR and re purchasing. The plan is to use entire funds after paying out loan to purchase new PPOR with hopefully no...
Brokers, need some help with this one. Currently refinancing via BoQ through my broker for almost a month and getting frustrated at the glacial...
Hi All, I have an IP which has been + geared for a while, with about 90k owing on total value of 450k approx. The rate isn't great and the...
Hi all, I currently have a PPOR valued at $1.5M, but owe $1.04M on it, so I personally hold $460K equity. My partner wants to buy into the house...
Welcome to GG Loans, where to take you from good, to great. About us Justin Zhu is the founder of GG Loans, a mortgage broker, and property...
We knocked down the old property purchased many years ago and built two new townhouses. Now we subdivided them and refinancing to another bank....
Hey guys, I wanted to hear everyone's opinion on our first-home-buyer strategy: We are purchasing our first house in Wallsend Newcastle at the...
Over 7-8 years ago I bought my PPOR with an IO loan with ING. Got IO as I could fully offset it and was planning on renting it out. It lapsed 2 or...
Hi Experts, Aside from requiring the refinance done through a FHGS participating bank, I haven't been able to find any other information...
Interesting report from the ABC. Maybe brokers have a better take on this? "Competition between the banks for mortgages could heat up again, as...
I had the following splits agreed with my mortgage broker (one who suggested that originally!) Split 1 - 300k P&I Split 2 - 100k IO Split 3 - 100k...
From a tax point of view, refinancing a loan means using one or more loans to pay out one or more other loans. It doesn’t necessarily mean...
Hi folks, Background IP - P+I with no offset on OO rate at the moment, can be paid off now with enough surplus cash at hand after selling some of...
Hi there We are debt recycling our home loan. We may refinance soon to a new lender. It will be the same amount or less. Assuming the settlement...
Hi all, I have been self-employed for the past few years, and my Pty Ltd income for the last financial year wasn't very high due to taking a long...
I am looking into refinancing a SMSF loan with Home Star Finance. They offer over 1% lower rate than what I have currently. I am wondering if...
If you are trying to refinance your mortgage to get a better rate, is it a big deal to switch lender, like lots of paperwork and fees? Is it...
How do you know which loan after a refinance relates to which loan before a refinance? Example Homer refinances 2 loans secured against his...
Hi fellow PCians, I am currently an O/O who bought at the market peak in late 2021. :( $630k PPOR + $40k spent on bathroom/toilet reno and...
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