I wait until are on special at Spotlight usually 20-40% off (every month or two) and get them there they have a huge range of colours and sizes. 

I briefly looked into this and there are restrictions on the house ie new, disability assescibility and needs to be leased for long period of time) and needs to be leased to qualified people (minority groups, low income, disabled etc – similar to Homeswest I guess)  May be different in different states but looks like more trouble than worth for me.     

Hi AnrobelI know what you mean.  I had some land I was looking to sell in Success approx $250000 and spoke to several agents the differences were huge from $5500 to $12500.  If it was a property and they had to be there for home opens then it would be more reasonable but the differences are probably because most agents reduce % amount for blocks a…[Read more]

huge exit costs in first 5 years, some even around $12000 depending on what you are borrowing

what about bibra lake or leeming? i hate coolbellup

What I have done a couple of times in the past was to get 3 valuations from real estate agents, then go with the middle valuation and both times this was right price, sold in good time and no need to lower price and achieved close to list price. 

Wow 12.59% and I thought 10.69% was bad!!

Hi guysIt was actually broker who recommended these loans.  At the time there wasn't much difference in rates and I we had not done our business most recent tax, so was quicker and much less paperwork.  I also didn't realise how much extra exit costs were.  IP is with AIMS and PPOR  is with Macquarie.  I think we are going to wait until cons…[Read more]

I would like to get out of these loans but exit rates are huge! One is 5000 and the other is 12000 I owe 775000 in total and value is approx 1 200000.  I am also worried that same thing will happen and these rates will also rise.  I probably wouldnt qualify for fully verified? income approx 160000 pa and no rental income yet as one house still u…[Read more]

I have heard about it, so know it is out there but unfortunately don't know too many of the details.  I would try the tax department though cause I'm pretty sure it is a $6000 tax deduction. Angela  

Hi RichardI have a couple of these low doc loans.  One for my residental dwelling and one on my investment property.  At the time I got these it wasnt really much more for the low doc but now one of my loans is nearly 10.5% and the IP construction loan is nearly 10%.  Luckily we can afford the increases but it has made quite a difference to repa…[Read more]