Hi all, Unfortunately I'm at the starting stages of separation with my wife, and I'm trying to wrap my head around how I can possibly keep the...
apparently working with brokers now too. so makes it easier to refinance if anyone is ok with an online bank (i use them often, quite happy so...
Current scenario, occupying a PPOR, currently have a 200k (remaining) loan, which is 90% offset, 4.29% variable rate, paying $299 a year for the...
Refinance is due to settle in 7 calendar days. Outgoing lender called and offered retention cashback. He said it will credit to my account within...
Hi Guys, Just wondering if there is anyone doing one year financials for self employed sole trader other then ANZ and Bank West? I heard that...
There are lenders out there that only seem to offer refinancing. I’m trying to understand if I would qualify. I own a property outright no...
Hi just trying to wrap my head around what’s best. Situation is OO - 1.2 Val with 500k mortgage IP - 720 Val with 420k mortgage Does it matter...
Hi there, I'm currently on a payment plan with the ATO for a tax debt of approx $150k. Payment plan is approx $1k/month. I'm looking to do a...
Hello, Has anyone had any dealing with the ANZ fast refinance? Apparently only need you last loan statement, and be refinancing to lower monthly...
In my loan tips I explained how it can be possible to temporarily borrow from a related company (see Loan Tip: Using a Related Company as a Short...
Hi Property Chat, I've got a bit of a delicate situation and keen to soundboard my thoughts. Background I've just split from my defacto partner...
Hi All, Could someone provide me some information regarding a Owner Occupied loan being used for a rental property. Example, a person will need...
What are people paying right now as existing customers on P&I vs IO and OO vs IP and which bank? I'm on 3.41% P&I OO... sad! I think it's time...
Hi all Have decided to refinance a couple IPs. Will be changing lenders and was wondering what the wait times are like in 2022. I understand...
All, first time poster here and a newbie to IP world . Appreciate if you can assist me with these scenarios. What'd be the best structure in my...
Which lenders are okay with PAYG for primary applicant, while 2nd applicant (spouse) is on home duties (1 dependent)? i.e. Only one applicant can...
Hi I am buying a new IP using the equity from another old IP i already own. The problem i have is that the bank hasnt yet released the equity...
Advert that I saw on PropertyChat this morning: [ATTACH] I'm not even sure how much that is supposed to be. $4? $400? $4,000? $40,000?...
We settled on a IP when our borrowing capacity was low. So we used a 32% deposit. Our house has gone up in value but so has our borrowing capacity...
Has anyone been able to get a better deal from HSBC or elsewhere for IO investment loan less than 60% LVR. Advertised is 2.67% variable with...
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