Hi All,

I created a calculator on excel just recently for a similar post, I can email it just PM me the request or email me. I simply used the PMT function on Excel, it saves buying a financial calculator or having to be online for those websites.

It calculates P & I repayments EXACTLY, I’ll add an Interest Only Function in there as that…[Read more]

Jaffa,

Read that article, it must appeal to you as a programmer! To me, huh?[blink]

Still trying to get program to work – I think I prefer my software, it does most of the same stuff. Yours does not have function for different rates of stamp duty for first home buyers.

Still it is comprehensive and must have taken alot of time to make!

Good…[Read more]

It’s so easy to kick yourself over missing the boat when you see things come and go – then go up and up and up.

As long as you hope onboard sometime and have some clues about where it is going it’s the best you can do isn’t it??

Liz

Mortgage Lender

Terry,

That is a bit slack of Westpac don’t you think?

How much do these solicitors charge for such a service? They must do it on the grounds that due notice was not given.. something like that??

It must be legal if they are solicitors.

Want to share?

Liz

Mortgage Lender

Kay, me two. I see it all the time in my line of work, as people are constrained by their work situations, commitments, employment status. It’s very interesting. I think my strategy will change over time, I don’t like easy answers or sticking to one rule either.

Bundaberg is lovely! Luckily all my rellies are up in Port D/Cairns and surrounds so…[Read more]

Cheer up Pisces.

I thought this was normal (builders).

Yes it is the banks who only secure a % within a unit complex, say 20% to 25%. The mortgage insurers don’t put this lid on.

Liz

Mortgage Lender

Alf,

Yeah there are over 300 products to compare, you’d have to let us know what you deem the “best”. Are your priorities interest rates, fees, terms?

This is much too vague a question for a broker!

Liz

Mortgage Lender

I’ve just got an ex MC client who said it took them 2 months to tell them they couldn’t even get an approval in principle.

No wonder brokers get a bad name, I see this all the time.[grrr]

Liz

Mortgage Lender

Ray,

I think you will find that Steve, founder of the site and bookwriter, advises to buy investments first whilst renting… Kay might know more about this though? Is that what Steve thinks?

Ray me and you should read the book already [blush2]

I can’t wait to move to sunny QLD either! How far up are you going? It’s a big state, but maybe we’ll…[Read more]

Everdine,

Go straight to the ombudsman. I’ve had troubles with AGL myself, they are HOPELESS and thats being nice.

They should provide you with a “fair and accurate” reading of meter usage. It just takes a letter and a few phone calls and they should get off their butts.

Just make sure you are not stressing in the meantime by biting the bullet…[Read more]

Marissa your funny… do you have multiple personalities?

It’s very strange isn’t it Rob?

Liz

Mortgage Lender

Thanks be to Rob for reading the post correctly…

Helena can you clarify whether you hope to use the deposit for the initial deposit (if this is the case Rob is of course correct) You will need to negoiate a very small upfront deposit or get a deposit bond…

OR if you simply want to use it for settlement of the loan (when you get the keys and…[Read more]

Oh I hope Pisces hasn’t got your knickers in a knot!

As long as the time between contract for sale and settlement is over 12 months you should be fine to get 90% lend – just make sure your broker knows which lenders will lend on the current val not the purchase price!

The only other difference is that for anything over 80% you pay a Lenders…[Read more]

Wilko,

I’m a bit of a skeptic when it comes to paying anyone more then $75 for their time (haircut, doctor…) – (oh excluding my accountant – you have to have a good one of those)

I think you’ll find many gurus here to help you, and read plenty of books… my theory is that you end up a helluva lot more informed when you research things for…[Read more]

Hi Helena,

There are also 100% finance options available to you. There is another thread in this forum called 100%-106% finance, which may be a useful read (and some bickering going on too hee hee).

Also St George offer 100% finance product but there is a 2.5% fee. The interest rate is higher then the Standard Variable but thats the price you…[Read more]

Marc,

If Devil takes out a credit card at 15% with $3,800 debt and repays it in 3 months the interest charges would amount to $142.50 (being lazy and not compounding interest or payments made throughout for the sake of a few dollars discrepancy).

I think reckless is too strong a word for our dear friend. I can imagine making a much larger loss…[Read more]

I figured older is baby boomers too…

I’m only 24 – but I feel like a 40 year old sometimes with career and my workload!

I’m looking at Port D, but I think it’s gone ahead already, there are a few spots around there that are yet to be discovered, and Cairns certainly has some CF+ properties to offer.

At my age I am looking for capital growth…[Read more]

Hi Devil…

Is your crappy MB MIAA accredited? If so you could always try raising it with them on the grounds that she has put you in a situation of financial duress by not acting responsibly in her role as your MB. (6 weeks for an approval?? who would stick around that long to find out – oh you, sorry…)

I like to get my UNCONDITIONAL…[Read more]

YES! Those slimy estate agents, they act as if they have money walking through their door and coming out their earholes (which makes it worse if they do) they just don’t take e-mails seriously!!

Emails suit me too…

Oh and ROAD RAGE – urghh I got road raged at the other day because I was stuck behind another driver – it made no sense??!!! Why…[Read more]

No not at the mom, but I will be soon!

I’m moving to QLD shortly (from Syd) and I’m planning to buy out the place hee hee

I’m definately not in the old category though. Still a youngun [biggrin]

Liz

Mortgage Lender