Edobear » user profile

Member Since 02/09/2018
Last Seen 06/11/2024

Recent Activities

My advice is to own what you are. Being an introvert is not a bad thing like you are making it out to be. There is nothing wrong with being…
05/02/2024 - 16:14
This. If the broker channel was as bad as you say @victorheaven, then why is over 60% of all loans written now through brokers? We write…
13/03/2023 - 13:54
Mortgage Broker here. For loans written after 1st January 2021, a clawback clause is no longer enforceable. See NATIONAL CONSUMER CREDIT…
12/03/2023 - 23:41
To rectify this legally you need strata onboard and the building manager or yourself available to police it proactively. Towing does not…
16/09/2022 - 21:19
Mortgage broker here. HECS CAN have an impact on how much you can borrow but not always. Some banks will take the amount owing as part as…
05/06/2022 - 16:07
Mortgage Broker here. To answer your questions: Can I buy with a small deposit, of less than 10K? - yes this could be possible depending on…
20/03/2022 - 15:06
If anyone wants pickup, I just price matched it at JB if that helps.
12/06/2021 - 17:53
Audio-Technica ATH-M50xbt Wireless Bluetooth Headphones $185 C&C or Delivered @ PLE
EOFY sale just started and saw the M50xBT's for cheaper than the PCCG deal with free shipping too. Update: Out of stock for delivery. WA…
12/06/2021 - 02:58
Same as a variable with TMB. They are one of the few lenders which offer the 100% offset with a fixed.
10/02/2021 - 23:15
Hence why most people if they know their rate will be going up when reverting to a variable rate will look to either refix or refinance…
17/06/2020 - 15:18
For ANZ correct. The other banks I mentioned should allow for the offset on any of their fixed rates.
17/06/2020 - 15:10
Has been enabled now. Cheers.
17/06/2020 - 15:09
They allow the 'offset' with the fixed rate but you don't get the benefit until the fixed rate reverts to the variable. The wording is…
10/06/2020 - 01:15
Broker here, assessment rate is 8%.
10/06/2020 - 01:10
Corsair Virtuoso RGB Wireless Headset $279.20 (Was $349) in Store Only @ JB Hi-Fi (Part of 20% off Gaming Accessories)
First post so please be kind. Went to JB in DFO Homebush on boxing day and saw 20% off gaming accessories by certain brands. Corsair was…
05/01/2020 - 17:17
Broker here, a lender can have an offset account and not be an ADI by having the offset account held at an ADI. Case in point RESIMAC who…
14/03/2019 - 02:01
To avoid LMI for a $700k purchase you will need $140k (20% deposit) + $10,490 (stamp duty with First Home Buyers Assistance Scheme) + $2-3k…
14/03/2019 - 01:48
Also depends how much you would want to purchase for. Maximum would be $600k to avoid LMI but you could potentially go higher with LMI.…
13/03/2019 - 22:07
If I read correctly you are a doctor which means you should be able to get a Medico package from the major banks to get 10% no LMI. I have…
09/03/2019 - 17:51
Edobear joined OzBargain.
Welcome aboard!
02/09/2018 - 16:58