Thanks for that.is there away to paying out my loan and increasing my mortgage application?getting rid of the credit card isnt a problem.how much would you recommand i have if i was to try and get a laon for$300k? and i am intitiled to the first home owners grant.From the information i have given how much do you think i will be able to burrow?.Thanks

is anything happenind in penrith? any new devolpment? would it be a good start for an investment property?

Sorry for bringing the topic back alive… but any thoughts on wentworthvile and surroundings areas e.g westmead and Pendle hill?.also does anyone know any area that maybe a good place to start your first investment property? with a price range between $250-$330?cheers

Hi, ok thanks I'll check him out.do you have an email address or maybe a website i can contact him on?

Hi, I just work at Rydalmere and would be interested in chatting and learning abit more.as prev post suggestesd I dont think I will be rushing into any application forms at this stage until my craa has been cleaned.but like i said I would be more the Happy to chat and know my options.

thanks for that I'll be sure to look them up on google and get their site.guys, what would you all recommand in my situation, variable or fixed? and what is the difference between the two?

Thanks heaps for that.do you think it's a waste of time for me to look around now or should i just wait until my craa listings has been removed (early november)?Could anyone recommand any brokers around Parramatta sydney area? I really appreciate everyones support.thanks again.

thank you all for your comments.obviously there is still alot of things that i need to know.i understand that the rates vary, what other type of fee's are there?sorry if this is such a nooby question, i just really want to prepare myself for the big day.can anyone recommand a book or maybe a website?

Hi Mick, Being new to all this how do i tell a good broker from a bad one? what kind of questions should i be asking?and how do i know a good offer from a bad one?I will be living in this property that i hope to get.I really appreciate your comment Mick.

I dont think this has anything to do with my Craa.

Im sure its more a place where landlords/agents can list you if you have ever rented before.

but thanks anyways.

-mark

hey guys just another question,
Trading Reference Australia,
How do you know if you have been listed with them?
or is that just an authority for the Agents to Contact my References?

cheers.

I dont think the agents will be looking at my craa file without my approval, but your right honesty is the way to go so if they need to check it, I will mention my defaults which are now listed and Paid in Full. Im just waiting for it to be removed which will happen by the end of november.

hi guys,

Thanks heaps for all your comments somthing that I will do on my next application.

PK, It was my original plan to go for a home loan but I have decided to wait until my Craa has been lifted and fixed, I have already Paid in full all my defaults but have decided to wait until the end of next year to apply for a home loan as I dont want…[Read more]

How do I know if its been knocked back or just missing out? I did how ever ask a few agents and it seems all the same, “they owners have decided to Pick another Applicate”. how do I know if they are just saying that?

Im not worried about my apprerance as I know I like to be well dressed and gromed. : )

I am staying with family at the moment, but would like to have my own space.

how do you check if you are blacklisted or not? I know that I shouldnt be because this would be my first time renting.

and I reside at Sydney, looking for a place near my work.

I generally wear what ever I am comforatable with.
In saying that I wouldn’t show up in thongs and stubby shorts for an interview or a house inspection.
Im usually wearing Jeans with a nice top.

No I have no pets and a casual smoker.

Though you maybe right about me being at a young age, though with renting you dont generally deal with the Owners…[Read more]

thanks guys..

No it hasn’t been paid yet but I am trying to get on top of things.

I have been trying to get into the correct department of Vodafone but only leads me to many transfers to eventually call be terminated on.

anyways I do plan on paying this debt dont get me wrong.

there was also another option which was given to me by a broker to…[Read more]

hi guys

thanks for the reply.

Celeste your spot on.

I am 24 and the default is with vodafone.

there is no dispute in it. It was just me having some financial difficulties at the time.

the default will be removed by the end of next year, Does anyone know regardless if it was paid or not does it automatically get removed from your craa?

Now I…[Read more]

Sounds like a good Idea.

I’ll send you an Email with my details soon.

thanks.[jerry]

I have saved up 10k,

And Have a minor default on my craa.

Which i was told because It was minor it is posible that some Financial Companies can void that provided that I have stable job.