does it have a good heater? having lived there this is quite important. also, does the property cater for the student population?

so you test your systems on real clients…mmm..good luck.

what was your original strategy – sell prior or on completion or hold for reasonable period?

cheers

brahms

If you don’t ask, the answer is no!!

if the property transaction is settled, bad luck, get the skip, clear it and if need be deny it….you get the drill.

if you haven’t already settled, don’t. that is until it is cleared at whoevers cost- just don’t settle.

recently i did a pre settlement inspection and found a desk in the garage, the realtor said thats not a bad looking desk, i…[Read more]

Hi Richard,

with all respect, how often do you find a vendor who is interested in this? and is the option (generally) for a term during which the entering into a contract of sale proper is forbidden?

are there more opportunities in this cooling market (i’m in brisvegas)?

cheers

brahms

If you don’t ask, the answer is no!!

you will pay at least 0.3% above standard variable rates, plus an additional fee of 2.5% of the purchase price.

you will need to demonstrate this 2.5% at time of application, plus quite stringent employment, credit and residential stability, oh, and your credit history will need to be squeaky clean.

at least one of the providers of 100% finance…[Read more]

Moderator Jo, some moderation please…(read: damn, you beat me to it)

cheers

brahms

If you don’t ask, the answer is no!!

if you spoke to your broker prior to January this year your info is correct, if after January very wrong. Check out your states treasury or state revenue office web site for the requirements.

cheers

brahms

If you don’t ask, the answer is no!!

Hi Jo,

there must be veritable books written on the ‘mischevious’ median price statistic – i would not be at all surprised if the median price continues to decrease given Vic, NSW and Qld have all offered incentives for first home buyers in their respective stamp duty concessions.

Thus increasing purchase activity in the lower price brackets,…[Read more]

A possible reason why a finance person is working/sharing office space with a solicitor is because this person is a consumate professional in his/hers chosen career.

As such there is no hidden agenda. No commission splitting, i mean, is the solicitor going to give the broker a spotters fee for refering business to them? No, don’t think so.

Is…[Read more]

Hi elika,

all you want is common business practice for any decent broker (and most are).

Ask your friends and workmates, they will readily share with you their experiences, the truest test is ‘if’ the brokers name can be remembered…..

Personal referals mean so much more than plaques on the reception wall.

cheers

brahms

If you don’t ask,…[Read more]

agree with afloat – a good concreter will be able to solve this by adding more concrete – self levelling. should be pretty straightforward and solve the ups and downs.

from there you’ll be able to lay a floating floor or floorboards perfectly.

cheers

brahms

If you don’t ask, the answer is no!!

Gail, will depend on which state you are purchasing in – I’ll presume its in Vic – a conveyancer should be just fine if it is straight forward, if there are ‘issues’ you may then need to engage a solicitor, who may quietly resent the fact that you didn’t engage them in the first place.

Liklihood is the conveyance will be straight forward as is…[Read more]

quick answer is a good answer, tks Derek

cheers

brahms

If you don’t ask, the answer is no!!

hi,

from what i’ve heard around the traps, the shop front for anz and colonial won’t be cross selling accounts, or other bank products – purely mortgages – as they have identified what we brokers already know.

also, i have heard they are targeting brokers rather than ‘branch’ people to operate these – good luck – i’d think it wouldn’t really…[Read more]

sis – any reference here to Tinkerbell’s post in Help Needed? if so, my answer is on record.

(yes, but i didn’t inhale!!)

cheers

brahms

If you don’t ask, the answer is no!!

Interesting topic – how does one prove one one valuer negligent? One valuation may be ‘better’ than another, but does that constitute negligence?

My suggestion to the valuer in question – settle out of court, buy the damn property from Mr Sutton – the cost will be significantly less than your lost time, loss of business, your effort and increased…[Read more]

Super ted, i’m not convinced the big 4 are too worried about the dragon…its a pretty big pie.

Maybe anz are advertising to attract additional high net worth customers with low existing commitments….

cheers

brahms

If you don’t ask, the answer is no!!

So in Qld it will be the contract date – date when vendor and purchaser sign/countersign agreed terms and conditions -as we don’t have ‘exchange’ and freely enter into contracts which are ‘subject to’.

cheers

brahms

If you don’t ask, the answer is no!!

thank you all, nice rule of thumb there iambored, appreciate your reply.

cheers

brahms

If you don’t ask, the answer is no!!