hi shawn,

does the math work for you?

are you making money on the purchase?

what sort of return on your purchase will you achieve?

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

hi pat v

if you focus on earning the strongest personal income steam available you will be able to pay the monkeys to do the property work. its tried and true.

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

Its not common – a hand full a year i guess, as i haven’t done one on a loan amount exceeding $500k none of my clients have paid that level of mi.

sub $300k the mi is often palatable when other options are considered – i think it is simply a commercial decision that is available – and considered with other options.

cheers

brahms
Mortgage…[Read more]

James – most main stream lenders treat telco listings pretty casually – prepare a letter explaining situation and have this available when you go for finance. its a small figure, and it shouldn’t get in your way.

very recently thousands of listings made by defunct telco One Tel were erased as the court ruled the telco had ineffective billing and…[Read more]

well said Clint

brissy 04 – the party that has let you down the most is the legal team.

no ifs or buts. sorry.

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

Hi Terry

i’ve had no probs refi’ing to ANZ to 95 and capping mi to 97.

i don’t think they like to refi multiple debts, but to refi existing mortgage and pull equity (personal inv. purposes etc) up to 95% then cap mi is no problem.

depending on the credit assessor, its still possible to get them thru with multiple…[Read more]

yeah…. you’ve blown my cover. wish i could get my facts right first time like you – hang on, I DID.

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

i’ll let you know monday if you haven’t worked it out by then…

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

martin, that was actually the first thing that came to my mind. yes, i’d play my cards very close to my chest on monday, probably nice to take a friend with you – personally i’d take another solicitor.

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

martin, i think it is really up to you and your solicitor to look after your interests – i’m afraid this would include your solicitor confirming that the deposit bond was effected and held either by themselves, or the realtor.

if the contract was unconditional on the 24th of last month, why wasn’t the missing bond picked up then by your…[Read more]

you can refi to 95 plus cap mi to 97

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

Brissy 04

did you check your solicitor has or had a pulse?

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

aussie – are you an agent?

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

property didn’t meet the reserve so it doesn’t really matter if it was dummy or vendor bids – it wasn’t on the market was it?

maybe the bidder was just hoping to pick up a bargain in the event the vendor was silly enough to ‘put it on the market’ and see if other potential bidders would step in…as seen on tv already.

cheers

brahms
Mortgage…[Read more]

Nat R

thats quite interesting, as are all your posts, i’d presume the ‘pool’ on sell wouldn’t impact on the borrower in any way with regard to future mi’d borrowings?

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

What application fee?

There is no application fee when you opt for a pro pack – zip, zero, zilch – the $600 is fully waived in lieu of the $295 annual packaging fee.

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

rear loading dock – Inala Woolworths 3.45am Sunday the 5th. Cash only.(lol)

surely a moderator can see this has nothing to do with opinionated property investing.

good luck with the license all the same.

terrific work lifex, any details you wanna share ie. what sort of property? general location, why you bought this one over others etc. just general not poking my nose in.

but hey, nice to see you win over the realtors and their trumped up reasons to secure a cash deposit.

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

NolaO

hey…you get to be on TV….

mmm…that probably sounded more exciting back in 1965.

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au

can you actually do a 90/10 in NZ

cheers

brahms
Mortgage Broker
brendan@homeloanconnexion.com.au