Try Suncorp. No application fee, you get 1.03 off the standard variable, so its comes down to 6.55% although there is a $25 p/m fee for this package. Im currently in the process of refinancing to them.

i shopped around and found Real Insurance to be the cheapest for my investment property.

Qlds007 wrote:
Really i certainly deal with the larger banks but many smaller lenders also.I would touch ubank with a barge pole for lending but i guess you are no me.CheersYours in Finance

Just got off the phone with Suncorp, they have a package with a discounted variable at 6.55% and their 3 year fixed rate is 5.99.Sounds pretty good to me,…[Read more]

Qlds007 wrote:
Hi Ch4rlieWhen you say too conservative are you referring to the credit policy of the lending institution.If so why waste your time ringing around and trying to get information on policy which most lenders wont give you anyway.Why not drop either of the above guys a line and get them to come up with a solution as there is more to…[Read more]

Jamie M wrote:
Hi there There are larger second tier lenders offering similar rates on the three year fixed. Cheers Jamie

Thanks Jamie, i'll continue my research. I originally wanted to refinance through loans.com.au but they were too conservative and wouldn't take me on board.

I went through Real Insurance for my Landlord Cover i thought it was very competitive

Very motivating guys, and Nathan great work mate! Orange seems great to find positive geared property, might try and get into that once i refinance.

Thanks heaps for the advice guys Dont worry i wont rush into things, plus since i work at a bank im always using the loan calulators to calculate different sinarios so i know what i can and cant afford. I guess im really motivated to build a decent property portfolio like some on this site. I'll continue researching and surfing this site.…[Read more]

Forgot to mention by next January my home loan should be around the 260K mark.What i calculated is when my loan reduces to about 200K the rent will be able to cover the repayments thats about 3-4 years away. I was thinking in the meantime i could hold another property locking in today prices rather then buying something later for a ridiculous…[Read more]