lordroy » user profile
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Member Since | 04/08/2015 |
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Last Seen | 30/04/2021 |
Location | Canberra |
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Sorry, I was not clear in the description. He probably worked for about a day and a half during that four week period at our site.
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Might get a lawyer to look into it. Thanks mate
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lordroy posted a forum topic Scammed by Landscaper - What Are My Options?
G’day fellow Oz bargainers About six months ago I engaged a landscaper for some minor excavations, removal of concrete debris, leveling…
![](https://files.ozbargain.com.au/g/38.jpg)
Hey mate - CRVs are a great car, I bought the same car in June 2019 from Newcastle for $28k, without rego (drove from Newcastle to ACT same…
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lordroy commented on 10% off Storewide | Sony WF1000XM3 $299.70 | Sony WH1000XM3 $311.40 + More @ Addicted to Audio
Thanks OP - unfortunately I couldn’t buy it from A2A in person due to my location - but local JBHIFI store (DFO Canberra) matched the…
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lordroy replied to
Edobear on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
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@Edobear - this is good info.
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lordroy replied to
blwnhr on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
![](https://files.ozbargain.com.au/g/20.jpg)
@blwnhr mate UBank is great, except that it doesn’t offer an offset account. Free redraw account is great too, except that ATO will treat…
![](https://files.ozbargain.com.au/g/38.jpg)
lordroy replied to
Mugsy on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
![](https://files.ozbargain.com.au/u/43/39943-20.jpg?h=fc12c95e)
@Mugsy Mortgage House comes with 100% offset account.
![](https://files.ozbargain.com.au/g/38.jpg)
lordroy replied to
sweefu on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
![](https://files.ozbargain.com.au/g/20.jpg)
Thanks @sweefu. Question - will my broker be disadvantaged if I refinance before one year?
![](https://files.ozbargain.com.au/g/38.jpg)
lordroy replied to
movieman on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
![](https://files.ozbargain.com.au/g/20.jpg)
Actually Athena are great, but they don't offer offset facility...
![](https://files.ozbargain.com.au/g/38.jpg)
lordroy replied to
Seedy seed on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
![](https://files.ozbargain.com.au/g/20.jpg)
3.58 is bloody good!
![](https://files.ozbargain.com.au/g/38.jpg)
lordroy replied to
movieman on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
![](https://files.ozbargain.com.au/g/20.jpg)
Thanks @movieman. Haven't heard of Athena, are they any good?
![](https://files.ozbargain.com.au/g/38.jpg)
lordroy replied to
ShortyX on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
![](https://files.ozbargain.com.au/u/20/3020-20.jpg?h=08a6c90e)
Thanks Shorty, current mortgage amount is $750k. You are right, rate could rise with Mortgage House. And therefore I'm hoping to get some…
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lordroy replied to
MeesusEff on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
![](https://files.ozbargain.com.au/g/20.jpg)
Sorry to hear that mate, have you tried to negotiate it with ANZ?
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![](https://files.ozbargain.com.au/g/38.jpg)
lordroy replied to
dcep on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
![](https://files.ozbargain.com.au/g/20.jpg)
That's correct, CBA comes with an offset account. As per the broker, Mortgage House loan comes with 100% offset, redraw and unlimited…
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lordroy replied to
onetwothreefour on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
![](https://files.ozbargain.com.au/u/08/63008-20.jpg?h=12a7cae0)
Tried - they are not willing to budge. Mortgage is quite large, so the costs are likely to be offset by the savings. And the broker has…
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lordroy replied to
dbui8743 on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
![](https://files.ozbargain.com.au/g/20.jpg)
CBA with wealth package.
![](https://files.ozbargain.com.au/g/38.jpg)
![](https://files.ozbargain.com.au/g/38.jpg)
lordroy commented on What's the easiest way to meet the minimum spend amount on credit card signups?
What card is it?
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lordroy posted a forum topic What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
G'day Team OzBargain My wife and I are planning to refinance the mortgage for a more competitive rate. Some facts: - Bought our PPOR in…
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lordroy replied to
onevstheworld on Having Objectivity Issues in Relation to Making a Property Decision
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Thanks onevstheworld. Valid points.
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lordroy replied to
Euphemistic on Having Objectivity Issues in Relation to Making a Property Decision
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Thanks Euphemistic. That’s correct, although we don’t intend to as per the current plan there will be CGT implications if we decide to…
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Is it only available online or can you buy it in store without spending $30 (min spend for store pickup)? Couldn't find it in the weekly…
![](https://files.ozbargain.com.au/g/38.jpg)
Thanks Scubacoles. The new place is brand new and has never been lived in. As per the accountant, I can claim a large chunk of capital +…
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lordroy replied to
HighAndDry on Having Objectivity Issues in Relation to Making a Property Decision
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Thanks HighAndDry - much appreciated.
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lordroy replied to
RandomNinja on Having Objectivity Issues in Relation to Making a Property Decision
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Thanks RandomNinja, glad you saw the benefit of moving close to work. Reassuring to heat the difference was amazing.
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lordroy replied to
Euphemistic on Having Objectivity Issues in Relation to Making a Property Decision
![](https://files.ozbargain.com.au/g/20.jpg)
Option 2 will cost us about $400/week and option 1 will be about $600. Current PPOR doesn't have a big mortgage on it (less than 20%…
![](https://files.ozbargain.com.au/g/38.jpg)
lordroy replied to
Euphemistic on Having Objectivity Issues in Relation to Making a Property Decision
![](https://files.ozbargain.com.au/g/20.jpg)
Thanks mate - that's correct, existing PPOR doesn't have a large mortgage.
![](https://files.ozbargain.com.au/g/38.jpg)
Thanks mate, this may not be a great option from the tax point of view as the current PPOR will be +vely geared. We did not realise the…
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