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...
I am seeking a lawyer in Melbourne who can sign loan documents for my business loan refinance. I have already received legal advice when I...
Hello wonderful people, I'm hoping someone can give me some guidance. As my name suggests, I am a novice so please forgive me if my question is a...
This is little understood. From a tax point of view a refinance is paying out one loan with another. From a lending point of view, it is generally...
I see that banks are competing with each other to get refinance business with cashbacks and that sort of thing. On the news they were saying this...
I thought I would share a unusual taxpayer tax issue that relates to a deduction. Taxpayer owned a deductible use property and sold this. At the...
Hi all, new to this forum and investing. I know this has probably been covered in other threads but haven't found a thread to cover the below...
I recently refinanced an IP, like a couple of weeks ago, and the bank is frustrating me for a couple of reasons. I am seriously considering...
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