MrBigglesworth » user profile

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…

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…

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…

It is never optional. However, the type differs. Depending on the loan value ratio(LVR), these are the types in increasing length/hassle:…

It does, but I think I've covered that under the $115 fee that I've mentioned. Here, follow this link:…

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…

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…

A typical refinance takes between 4-6 weeks. Process as follows: 1) Application, which includes document collection to start the process.…

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…

For a big 4 that's probably as good as it gets :)

There are quite a few of them around. It all depends on what you want. PM me if you require help.

PM me if you require any help.

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…

Then it might be worthwhile comparing them to Macquarie or ING.

It's too much effort for too little gain. Switching costs are around $1000(discharge fees + titling fees + fees with new lender). Unless…

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…

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…

Assuming <=90% LVR, 3.49% for principal and interest and 3.59% for interest only.

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.

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,…

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.

Yeah, second this. Once you factor in the price for tailoring to a fit, the price is hard to beat.

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…

Age: Mid 30s Current title: Mortgage Broker Industry: Finance Location: Melbourne

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…

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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