Total Members: 159,186

rafael84

  • rafael84 replied to the topic First home loan and wife off work in the forum Thanks for your response 14 years, 5 months ago

    Thanks for your response Richard.I will weigh up these options, but it seems I should go and speak with a financial planner to figure out which option is best to proceed. Perhaps we are better off renting for an additional year (the year my wife is off work) and then applying for the home loan.

  • rafael84 replied to the topic 1 bedroom apartments – any good? in the forum Thanks for the feedback 14 years, 11 months ago

    Thanks for the feedback guys. I will look into this when we have a large enough deposit saved.

  • rafael84 replied to the topic Sharing a home loan between 4 people? in the forum Help Needed! 15 years ago

    I think we will definitely sit down and agree on an exit strategy, based on all the scenarios discussed above, plus more…

  • rafael84 replied to the topic Sharing a home loan between 4 people? in the forum Help Needed! 15 years ago

    Great advice Terry, thanks.

  • rafael84 replied to the topic Sharing a home loan between 4 people? in the forum Help Needed! 15 years ago

    Thanks Richard for your information. Another question. If we say want to borrow $600,000 between us 2 married couples, can we just borrow $600,000 and then halve the repayments on this figure? or would we be forced to take out 2 x $300,000 loans and thus make repayments on this figure? As I think the first option would mean lower repayments.

  • rafael84 replied to the topic Family equity loan in the forum Finance 15 years ago

    Thanks Terry. I understand now.

  • rafael84 replied to the topic Get in now or wait 12 months? in the forum Help Needed! 15 years ago

    Joel, great vid mate, well done….Truly inspiring.

  • rafael84 replied to the topic Get in now or wait 12 months? in the forum Help Needed! 15 years ago

    Thanks Colin. I love the idea of buying a bomb in a good location, but try telling my wife that with a baby on the way. I'm thinking long term gains, she's thinking "i want it all now!'. Define good location, 300k wont get you alot in Brisbane in a good location, unless you mean a fringe suburb tipped to boom. I do like the way you think though,…[Read more]

  • rafael84 replied to the topic Get in now or wait 12 months? in the forum Help Needed! 15 years ago

    propertunity wrote:

    rafael84 wrote:
    ..Just hope the prices and interest rates dont rise TOO much….

    Hope is not a strategy. Buying cheaply, renovating to add value, refinancing to buy more is a strategy. There are many other strategies. Renting & saving is a strategy I suppose. It does not motivate me, I've got to say. How much have you…[Read more]

  • rafael84 replied to the topic Get in now or wait 12 months? in the forum Help Needed! 15 years, 1 month ago

    Thanks Colin

  • rafael84 replied to the topic Get in now or wait 12 months? in the forum Help Needed! 15 years, 1 month ago

    Thanks for the advice all. Seems I should sit on it for a year, do some more research, so i'm armed and ready when I go into battle in 12 months time…Just hope the prices and interest rates dont rise TOO much….

rafael84

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