MrBigglesworth » user profile
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Member Since | 10/01/2016 |
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Last Seen | 17/08/2020 |
Badges | 1 |
Location | Melbourne |
Recent Activities
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MrBigglesworth was awarded a badge.
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MrBigglesworth replied to
whyisave on Freedom Lend Home Loans Variable from 2.79%, No Upfront Fees if Borrowing >$350k, Free Offset and No on-Going Fees
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Assuming that you have an owner occupied loan, I'm not entirely sure if the offset for the investment is worth it or even necessary. After…
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MrBigglesworth replied to
notewar on Freedom Lend Home Loans Variable from 2.79%, No Upfront Fees if Borrowing >$350k, Free Offset and No on-Going Fees
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A conveyancing fee is a fee you pay for your solicitor top get through settlement of a purchase. It's not required when you are…
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MrBigglesworth replied to
Rialonda on Freedom Lend Home Loans Variable from 2.79%, No Upfront Fees if Borrowing >$350k, Free Offset and No on-Going Fees
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It is a convenience thing then. The interest that you have does not incur a tax, but if you happen to a better money making instrument, say…
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MrBigglesworth replied to
ItsMeAgro on Freedom Lend Home Loans Variable from 2.79%, No Upfront Fees if Borrowing >$350k, Free Offset and No on-Going Fees
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It is never optional. However, the type differs. Depending on the loan value ratio(LVR), these are the types in increasing length/hassle:…
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MrBigglesworth replied to
awangsap007 on Freedom Lend Home Loans Variable from 2.79%, No Upfront Fees if Borrowing >$350k, Free Offset and No on-Going Fees
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It does, but I think I've covered that under the $115 fee that I've mentioned. Here, follow this link:…
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MrBigglesworth replied to
tunzafun001 on Freedom Lend Home Loans Variable from 2.79%, No Upfront Fees if Borrowing >$350k, Free Offset and No on-Going Fees
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You're not wrong, but the explanation that I've received for the discharge fee is that lenders use external lawyers to do the paperwork for…
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MrBigglesworth replied to
SpaceNinja on Freedom Lend Home Loans Variable from 2.79%, No Upfront Fees if Borrowing >$350k, Free Offset and No on-Going Fees
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No, and they are unlikely to since they have to 1) please shareholders 2) even out the running costs of having a physical presence. For a…
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MrBigglesworth replied to
SpaceNinja on Freedom Lend Home Loans Variable from 2.79%, No Upfront Fees if Borrowing >$350k, Free Offset and No on-Going Fees
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A typical refinance takes between 4-6 weeks. Process as follows: 1) Application, which includes document collection to start the process.…
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MrBigglesworth replied to
fredk1000 on [PS4] Free Theme - The Last of Us Part II Outbreak Day PS4 Theme @ PlayStation
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A bit late in the cycle for the PS4, might be worthwhile holding off and waiting for PS5 and also the remaster the of the game, just like…
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MrBigglesworth replied to
4foxache on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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For a big 4 that's probably as good as it gets :)
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MrBigglesworth replied to
Pub Envelope on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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There are quite a few of them around. It all depends on what you want. PM me if you require help.
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MrBigglesworth replied to
T-man on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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PM me if you require any help.
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MrBigglesworth replied to
oshin on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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Just be wary of using the home loan account for everyday expenses. When you are refinancing the next time round, it basically gives the new…
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MrBigglesworth replied to
virhlpool on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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Then it might be worthwhile comparing them to Macquarie or ING.
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MrBigglesworth replied to
Oofy Doofy on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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It's too much effort for too little gain. Switching costs are around $1000(discharge fees + titling fees + fees with new lender). Unless…
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MrBigglesworth replied to
Poimandres on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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Think someone mentioned in the thread that St George/Bank of Melbourne/Bank SA have the same offer for 1-5 year fixed loan terms. More…
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MrBigglesworth replied to
virhlpool on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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Depends on the lender, and who you bring to the table as a comparison. If it's a big 4, asking them to compare your current rate against a…
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MrBigglesworth replied to
virhlpool on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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Assuming <=90% LVR, 3.49% for principal and interest and 3.59% for interest only.
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MrBigglesworth replied to
frodmann on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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You're right, but if you want to look into that option Adelaide bank can serve you well. It's a niche product of theirs, their fixed offset.
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MrBigglesworth replied to
Mrokire on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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Largely depends on loan size and LVR. Under 80% ING or Macquarie is a good bet. You want dirt cheap variable you can look at Bank of China,…
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MrBigglesworth replied to
kulprit on Suncorp Home Loan at 2.99% for 3 Years with Fixed Interest Rate + $2000 Cash Back @ Suncorp
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Nah, for variable I managed to get 3.32% for a client at a big 4. However, the loan was in excess of 1M and below 80% LVR.
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Yeah, second this. Once you factor in the price for tailoring to a fit, the price is hard to beat.
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What Ozshaz said. Also, 2 points come to mind. 1) Trust and branding. In a very simplistic approach, why would someone drive a Merc when a…
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Age: Mid 30s Current title: Mortgage Broker Industry: Finance Location: Melbourne
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MrBigglesworth commented on Where to Get Business Attire in Syd? (Not Sure about The Classification)
If you want something that fits and aren't in a hurry, give institchu a try? https://www.institchu.com Fully tailored shirts start from…
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MrBigglesworth commented on Low Credit Score but Zero Debts
Hi myfuturej, A lot of valid points in the replies so far. As a mortgage broker, what I have to add is; 1) The credit score is an…
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MrBigglesworth joined OzBargain.
Welcome aboard!