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fair point – I guess we had already had the bigger portion of our loan with Westpac and just needed to re-finance / consolidate some card and a mafia loan.
As I am waiting for Westpac valuers to come to me, (and they appear to take a week or so to do this) we have now gone full steam ahead the with a gun broker.
As my main fixed mortgage with Westpac expires in 3 months – they seek to take over the whole lot.
I reckon this is still cool on my VEDA rating as I am just shopping around within a 1 month containment area.
All up my point was to consolidate, get some extra cash to some cosmetics on the house and save $2000 per month in payments.
In the end it was the same company – different valuer – however I found out that they worked things out with the old valuer – if this makes sense.
I did provided recent sales – 20 construction drawings and 25 pages of engineering.
even with the low Val 5 years ago you reckon they include some capital growth and further works being done from 5 years ago.
