How about ANZ Private customer? Any experience with that?

How r u going to raise the house?Is this a double brick.. or just weatherboard house?

Richard, Thanks for the explanation.But why brokers still refer the clients to Wealth Package (CBA) despite it is NOT a fully offset?Terry, does the branch staff get commision from establishing the loan? I have a friend who is a customer of ANZ PRIVATE BANK. Can they get a better homeloan rate than through the normal broker channel?

It must be garage that converted into rooms?Council approved for the renovation?

Can someone explain why CBA Offset account is different to ANZ ONE Offset account?Wealth package vs. Breakfree package??

jacqui… ANZ probably

Gary78I m not sure whether State custodians is another mortgage manager

Banker… I think more than 1000sprobably 10k plus

Life is not that simple, wobbly…ASK GE Money/Aussie/Wizard customers…

Yes.. my DFT includes virtually everyone!!!!

I would prefer Offset as wellLOC has a higher interest rates by 0.2%

FWord… you have answered it…That is the reason why China investors are here to buy the 'blue chip' properties in Syd/Melb/BrisWho cares about the sunset clause as D said…They have CASH and will be buying it with CASH.

NRMA seems quite competitive… I hate AAMI (too expensive)I heard from forumites Allianz and GIO are OKWhy do u want to opt out from Terri Scheer? 

It is difficult to compare b/w non-bank vs. bank lender by looking at the IR only.I am still be able to get 6.56% with ANZ+Offset

fWord… I think we are comparing to two different group of population.1+Billion population in China … Majority of them has similar situation like you and me surviving through the daily life.However 1% of population China is very rich and they can afford doing it.Imagine we have 1000 of Frank Lowy!!!D.. though Nikkei will never reach 20000…[Read more]

RichardING has a new 30-year I/O home loan 

Owning 2 properties instead of one can give you a lot of benefits. You will experience capital growth on 2 properties. Ryan.. sorry to disagree with u again… do you think owning 5 properties in Moree is better than 1 property in inner west of Sydney?Quantitiy is not always the best..

Jamie.. you need to live in straight foward after settlement for 6-12 months

Why people still want to go to non-bank lender albeit better product with slightly higher interest rates out there from big 4 ?

D, Chinese investors have so much fresh cash.. and they can afford to buy the apartment with CASH…(Chinese prefers to buy everything in Cash.. whereas western prefers credit).. so don't worry about sunset clause.