Is it just me? But it seems obvious to me that the best way to reduce churn would be to keep your customers happy with a product that kept on being competitive, rather than just woo you in at the start and hope you stay with them because you cant be bothered changing/think you are going to suffer hefty exit fees. Or think you should be greatful to…[Read more]

I had a similar situation earlier this year, same telco even. I included an explanatory letter with my finance application (also to 80% LVR) and had no problems except a few sleepless nights in wonder.

~jo~

Nice to look at, way too cold for swimming!

~jo~

Of course it depends on the individual mining town, and the life of the mine, or mines that it supports, and the size supporting industries.

Ahh, Kalgoorlie, home of my student days and mis-spent youth (and mis-spent austudy allowance) its not so bad a place to live, I had the time of my life, some great memories and some very foggy ones… I…[Read more]

Find yourself a good independant mortgage broker, preferably one that someone has recommended to you. They will be able to fill you in on all of the realistic options, be it good news or bad.
At the time I financed my first property, I had been knocked back on three different credit card applications.