banks pay big salaries to people to advise them what and what not to lend against.

you could call them crazy, but they do seem to make profits………..

cheers

brahms
brendan@homeloanconnexion.com.au
Brisbane

please stick with your existing broker – they will be able to discuss – they have your ‘file’ afer all.

a good broker with a solid panel of lenders will meet most if not all requirements.

cheers

brahms
brendan@homeloanconnexion.com.au
Brisbane

as your with the same employer your ’employment continuity’ should override the ‘internal shuffle’ so long as you don’t have a probation period attached to the new position.

borrowing capacity varies substantially over different lenders, if you haven’t investigated this factor thru a good broker, please consider doing so – you may have more…[Read more]

On establishment i’ve negotiated 0.2% off fix rate – once its established, having re read the original post, i don’t think its going to happen.

cheers

brahms
brendan@homeloanconnexion.com.au
Brisbane

(just joking)

thats not a mortgage – thats a credit card!!!!

cheers

brahms
brendan@homeloanconnexion.com.au
Brisbane

what about the fixed one

ING do fixed 5 yrs I/O at 6.85%

0.35% discount on your current rate

Not to say there isn’t a better 5yr fixed out there (can’t remember everything on a friday evening!)

good luck with it

cheers

brahms
brendan@homeloanconnexion.com.au
Brisbane

marc and jan

one of the unfairest cuts of all is that in my experience future lending does not discriminate between pt 9’s and pure bankruptcies.

your question is a good one, if you have the luxury of saving whilst paying of the pt 9 and the clock starts ticking from the commencement of the agreement, well, one thing is clear, you will need a…[Read more]

mainstream lenders generally like to see 2 years evidence of above base income inorder to take it as ‘ongoing’ – can depend on the industry as well, careers which are well known for o/t and shift work often circumnavigate this requirement.

i’d be a wee bit concerned with the ’employment history like a dogs breakfast’.

more on the employment…[Read more]

ellie, suggest you pop the spa in your own back yard and do some smart but basic landscaping for the sale property. the house sounds reasonably adequate, gardens make an incredible improvement to ambiance and life style.

maybe update noticeable inclusions, blinds or timber venetians in the living areas? sharper light fittings? fresh ceiling…[Read more]

“IFHL was inundated with applications from brokers to become accredited.”

i imagine these inquiries were dealt with in Derivex’s usual speedy and efficient manner – the sort of commitment we brokers (aka ‘dying breed’) are used to.

hah, crack me up time again, ‘dying breed’ wow. do you have a gag writer or do you fabricate all your own…[Read more]

read my post rob – i’ve already stated my position.

and WHY do i need to justify this? do you think i made it up or something?

sorry, I don’t fabricate statements and put the names of organisations to them.

cheers

brahms
brendan@homeloanconnexion.com.au
Brisbane

big rob,

i’m with the MIAA on this one (thats the Mortgage Industry Association of Australia)

From todays MIAA Update.

Regulator Investigation
‘Interest-free mortgages’
MIAA understands that regulators are looking into what seems to be an attempt to attract home-loan customers via the promise of an interest-free mortgage. The loan products…[Read more]

he he, once again Rob, you just crack me up – keep it up your doing a great job!

cheers

brahms
brendan@homeloanconnexion.com.au
Brisbane

it may be in Sonja’s interests to get traditional finance as –

1. the transaction should settle in normal timeframes
2. she will know upfront what credit policy applies and doesn’t apply when purchasing a more uncommon style of property – hence it may be valuable to discuss with a ‘real’ mortgage broker

cheers

brahms
mortgage…[Read more]

hi redhaven

only advise i could comfortably give would be to discuss thoroughly with your solicitor.

cheers

brahms
mortgage broker
brendan@homeloanconnexion.com.au
brisbane

i’m concerned about what sort of pool you get for $20k – most quotes are for $40 – 60k, plus landscaping!!!

personally i’d buy a yacht – they are much more efficient at evaporating cash….he he

cheers

brahms
mortgage broker
brendan@homeloanconnexion.com.au
brisbane

1. rent your own place for 6 month
2. leave your tenants alone
3. write them a terrific lease in 6 months time
4. serve appropriate, legal and fair notice for vancant possesion as per your states laws at the appropriate time
5. take rsponsibiltiy for your own actions
6. leave them alone, we weren’t put on earth to be jerks

cheers

brahms
mortgage…[Read more]

he he (you really do crack me up)

remember big rob that big john has lots of big lawyers

cheers

brahms
mortgage broker
brendan@homeloanconnexion.com.au
brisbane

hi rip

avoid if possible, if not, build a bridge – 1000’s of people x-coll without issue without harm or harrassment.

cheers

brahms
mortgage broker
brendan@homeloanconnexion.com.au
brisbane

hey rob,

i could only offer an extremely vague reply to your post, maybe some specifics amongst the generalisations will help the wider forum community.

cheers

brahms
mortgage broker
brendan@homeloanconnexion.com.au
brisbane