Mainly some of the older ones. I own a complete block in New Farm and the property next door is a Company Title.

This is the 2nd time today i have been asked the same question.

The FHOG application asks if you have a Spouse or Defacto who has claimed the FHOG and if you answer YES then you will disqualify yourself. In saying this i have spoken at length to the FHOG dept and there attitude is depends on the Defacto relationship.

If you live apart or have just moved then you are considered 2 separate people and would qualify however if you have been living together for 5 years at the same address with Joint Bank A/cs etc then you will probably disqualify yourself.

If the terms of the contract change you are certainly not trying to obtain a property by deception.

If i undertake a Building Inspection report and this proves to be not satifactory for my purposes I have every legal right to terminate the existing contract assuming the Contract was subject to this condition.

If after a period of negoitating in the price or terms i decide to enter into a new contract this is perfectly legal. I may run the risk that the vendor says NO as he has sold it to someone else but other than I am perfectly in my right to make another separate offer.

Wow the PIC group must be pushing hard with their seminars if they have to have someone join the forum and then post the same post 3 times.

Hi Vic

Personally i only use CBA Colonial were i have to because i think the service levels are below par.

Yes there is a time restriction on the FHOG the purchase contract needs to be date prior to 30th June 2009 (at this stage anyway).

Yes i am in Brisbane but have client literally all over the Country and the world.

Feel free to drop me an email and I can give you some suggestions.

Thanks Jett & redleaves. i appreciate the referral as always.

Victoria i can think of many products for a first home buyer than ING.

Something like nil application, valuation or bank legal fees  no monthly fees etc and a rate of around 7.62%.

Drop me an email and I can give you some more details.

Hi Susie

Hate to say the switch fees will be a little more than that.

You will have mortgage registration, transfer and discharge, bank title search fees, valuation and settlement fees etc.

Not sure if the to loan is an investment loan but if either way One Direct do not offer a offset account.
The Anz Simplicity product has a rate of 7.62% so is hardly worth dealing on line for such a small margin saving and at the end of the day at least dealing with the Bank you can start to structure your loan in a way that it will help grow your portfolio.

On t

he fixed rate front you can do better that

Hi Susie

Hate to say the switch fees will be a little more than that.

You will have mortgage registration, transfer and discharge, bank title search fees, valuation and settlement fees etc.

Not sure if the to loan is an investment loan but if either way One Direct do not offer a offset account.
The Anz Simplicity product has a rate of 7.62% so is hardly worth dealing on line for such a small margin saving and at the end of the day at least dealing with the Bank you can start to structure your loan in a way that it will help grow your portfolio.

On t

he fixed rate front you can do better

Hi Susie

Hate to say the switch fees will be a little more than that.

You will have mortgage registration, transfer and discharge, bank title search fees, valuation and settlement fees etc.

Not sure if the to loan is an investment loan but if either way One Direct do not offer a offset account.
The Anz Simplicity product has a rate of 7.62% so is hardly worth dealing on line for such a small margin saving and at the end of the day at least dealing with the Bank you can start to structure your loan in a way that it will help grow your portfolio.

On t

he fixed rate f

Hi Susie

Hate to say the switch fees will be a little more than that.

You will have mortgage registration, transfer and discharge, bank title search fees, valuation and settlement fees etc.

Not sure if the to loan is an investment loan but if either way One Direct do not offer a offset account.
The Anz Simplicity product has a rate of 7.62% so is hardly worth dealing on line for such a small margin saving and at the end of the day at least dealing with the Bank you can start to structure your loan in a way that it will help grow your portfolio.

On t

he fixed rate front you