I have very good vibes about my broker, I really like her and I feel comfortable that she has my best interests at heart

Yes, I have no desire to age prematurely. I'm quite proud of my crowning glory  I've spoken to the mortgage broker about this in great depth and mentioned I'd read this on some forums. I could see her laughing at me when I mentioned forums but hey, whatever. I'm dealing with someone at Mortgage House and she said due to the huge volume of loans t…[Read more]

Richard, yes I saw $395 fee which is why I'm leaning towards the Bankwest product which is quite a simple loan and suits my needs but has the offset account attached for a minimal amount.

Ideally I'd like to be under $250k but realistically, I might be slightly over. I think I might have to wait until I find a property instead of applying for a pre approval and as Richard said, the pre approval for Bankwest are not worth the paper they are written on. My mortgage broker implied the same thing in a more diplomatic way! I'll have to…[Read more]

Kane, the mortgage broker suggested St George as well. I cannot remember why I dismissed it but I've just looked at the rates and the comparison rates seem very high compared to Bankwest.

Thank you Richard for your professional feedback and Sam for giving me the benefit of your personal experience. I think I have decided to with the Bankwest product as it sounds ideal for my present and future needs!

Thank you for your response again Richard. I chose a variable over a fixed loan as my extra repayments may exceed $10k. I know I'm coming from a totally different perspective being an owner-occupier first and then possibly renting it out. I will research those options that you gave to me. Thank you for your advice and your time once again.

What an inspiring story Angel. Thanks for sharing

Hi Sonya, thanks for your reply. I do believe the offers were presented to the owner. I think they are just playing hardball with the price. My bad, I went overseas last year and there were at least 3 of the same properties that sold around the $365k – $370k in that time leading up to Christmas. If the property is still on the market in a few w…[Read more]

Thank you for your quick response Richard. I have read a lot of your posts on the board and I'm honoured you have replied to mine!

I have just started looking at property and I found this to be the case as well. I am single, female and I look very young for my age. I recently put in an offer for a property and I was spoken to very rudely by the real estate. I felt he had dismissed me as a time waster and didn't ask me to put in a counter offer. I have little tolerance for t…[Read more]

Thank you for the advice Scott No Mates. I've just arrived home from the gym and read this. However, today I put in another higher offer for the east facing property and got a response they are focused on reaching the $385+ figure. Good luck to them. It has been on the market for 5 weeks. I believe they think now they have dropped the price by…[Read more]