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Viewing 20 posts - 401 through 420 (of 895 total)
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  • Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 25, 2005 - 11:45 am

    Hi Boris,
    It sounds like you may be experiencing delays at a local branch level, have you considered using a mortgage broker to source and follow up on your finance requirements?
    The majority of mortgage brokers bypasses the local branch and corresponds direct with the loan assessor’s, cheers.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 25, 2005 - 11:12 am

    Hi Noxford,
    Also keep in mind, the term of the loan has no bearing when calculating interest only repayments, cheers.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 25, 2005 - 10:56 am

    Time fly’s when you’re having fun,
    Tomorrow (Australia Day) My Darling Wife and I will be celebrating our 20th Wedding anniversary,

    Three beautiful children and 20 glorious years later we are still very much in love as the day we were married,
    The recipe to our long and happy marriage is respect, love and communication, and most importantly keeping the in-laws at bay.

    Congratulations and best wishes to all newlyweds for a long and happy marriage.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 21, 2005 - 9:17 am

    Stamp duty & land transfer registration alone on a $400K purchase in VIC is approx. $21K,
    106% LVR finance is available but be warned the rates are very high.

    I agre with Oakley Regarding the St George 100% no deposit product, you will struggle with the closing costs not to mention the LEF fee.

    If you are entitled to the FHOG you may want to consider a 95% loan with LMI capitalized, this may be possible to achieve on property in the slightly lower price range. Cheers.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 21, 2005 - 7:59 am

    Hi Damon,
    Ask them to match the St George Professional Benefits Package discount rate of 6.37%. Cheers.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 19, 2005 - 9:22 am

    Hi Andrew,
    The loans are in NZD. Cheers.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 19, 2005 - 8:01 am

    Hi Dani & welcome to the forum,
    If both names are to be on the Title then both names will be required on the loan application,
    This should not be a problem providing one of you can service the loan, Cheers.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 18, 2005 - 2:41 pm

    Hi Jill & welcome to the forum,
    Yes your exit fees & costs etc can be deducted from the surplus funds by the new lender when you refinance, and the new lender will carry out the valuation.

    Regarding finance structure,
    I would suggest you keep your loans on the Two properties separate as this will help avoid cross colaterisation issues later on down the track.
    You can achieve this by using the surplus funds from the refinance to fund the deposit required on the new loan for the 2nd investment property.

    There are other issues to consider, such as Loan to Value Ratio, keeping in mind mortgage Insurance will apply on most lending over 80% LVR, I hope this helps.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 18, 2005 - 12:26 pm

    Hi Andrew,
    SVR = Standard Variable Rate

    Regards
    Steven

    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 18, 2005 - 12:14 pm

    Hi Ivan,
    I think you may have me confused with Rob, The Mortgage Adviser.
    Here is his e-mail address. [email protected]
    cheers.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 18, 2005 - 10:15 am

    The ANZ fixed rates are ok, but their SVR currently at 8.75% is not competitive when compared to other lenders.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 18, 2005 - 9:50 am

    Hi Cashpoor,
    100K deposit, 5% of 2 Million,
    It will be extremely difficult to get a 95% low doc lend anywhere, not to mention the LMI & closing costs. Good Luck.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 18, 2005 - 8:36 am

    Hi Nick,
    Unfortunately the answer is no,
    If the $45.000 is for personal use you can only claim the interest on the original investment loan of $450.000

    If the $45.000 is for investment purpose then you can claim the interest component on the full loan amount of $495.000

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 17, 2005 - 2:40 pm

    Hi Andrew,
    You can arrange NZ finance from Australia,
    Myself and other Mortgage Brokers in Australia have access to these NZ products,
    The LVR will vary between 80% & 90% depending on lender & rates.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 17, 2005 - 2:23 pm

    Hi Peter,
    Have a look in the Finance forum, You will find plenty of info & discussion there.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 17, 2005 - 1:28 pm

    Kerri, He does need a Low Doc Loan, Ivan is self-employed with no financials.

    Ivan, If you do not have the required financials then you are in need of Low Documentation Finance.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 17, 2005 - 12:26 pm

    Also, With 50% deposit you may not need LMI.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 17, 2005 - 12:16 pm

    Hi Ivan, and welcome to the forum,
    Is this a Low Doc lend? If so it seems the post code is probably out side LMI policy,
    If you e-mail me the details, post code, type of finance etc I will see what I can do,
    The other option would be to purchase unencumbered from existing equity.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 11, 2005 - 5:04 am

    Thanks Terry, that is indeed what I was referring to. Cheers.

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

    Profile photo of Mobile MortgageMobile Mortgage
    Member
    @mobile-mortgage
    Join Date: 2003
    Post Count: 913
    January 10, 2005 - 3:20 pm

    “Snap”

    Regards
    Steven
    Mortgage Broker
    Mobile Mortgage Market

    [email protected]
    http://www.mobilemortgagemarket.com.au
    Ph:0402483216
    Ph:1800 820 500
    VICTORIA

    PLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.

Viewing 20 posts - 401 through 420 (of 895 total)
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