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

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 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.

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.

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.

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 to Pay extra rates due to these faults.

I will diffenately try and organise a guarantor, but it will be very hard because my parents have passed away and I dont want to envolve anyone with my bussiness, but I guess I will need to let go of my pride.

thanks so much for all your kind comments, and Have a great New year.

My New Years resolution is to have a Home loan by the end of 07.
wish me luck

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.

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 maybe bend the rules abit and say that there is a dipute on this debt, which to be honest with you guys its not somthing I want to be doing.
purely because I know it was my own error and dont want to start lying to get a loan as It may only result me to more problems and complications.

So from what I have gathered from all the replies:

* After 5years from when it was listed this will be removed and will not be listed again. which means it cannot be double listed.

*There is noway Craa can be removed unless it was an error.

thanks guys

Sounds like a good Idea.

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

thanks.[jerry]