2 adults, both fulltime. It’s either you have a car loan or some other problems. Solved everything have saved for 2 years, more than anyone else we know yet everytime we go through the excrustating effort to update our loan application by then the homes have gone up. Last time the loan guy hinted that Neil may only have a few years to go because of the trade he was in. Looking for Investment property to start getting ready for retirement, happy to keep renting the dump we are in to make this happen yet having no luck.Excuse the sadness, did everything in book yet can’t make it work. Going to book launch, maybe someone will be there to help? Karen
Karen,
Any of the brokers will be able to give your situation a look from a new perspective.
Please give one of us a call just to see if we can make any other suggestions.
I hope it all works out,
Simon Macks
Mortgage Broker
http://www.mortgagehunter.com.au
0425 228 9853 year fixed rate – 6.69%
Comments may not be relevant to individual circumstances. If you intend making any investment, financial or taxation decision you should consult a professional adviser.
Hi Karen & welcome to the forum,
Are you entitled to the FHOG?
If you don’t have the required deposit,then finance at a higher LVR may be an option.Regards
Steven
Mortgage Broker[email protected]
http://www.mobilemortgagemarket.com.au
Ph:0402483216
Ph:1800 820 500
VICTORIAPLEASE note comments made should not be taken as specific taxation, financial, legal or investment advice.
Hi Karen
sometimes you just have to be persitant, don’t give up. speak to a few of the mortgage guys on this forum. I remember a time when one bank said no to me so i found another that said yes.
regards westan
I live in New Zealand and for a fee find cash positive deals there, email me at [email protected] to join our database
Hi Karen,
I’ve given your post some thought as I had no immediate answer for you. To share my personal experience (Westan you sound lucky) I have lost count of the “no”s that I’ve been given. After a point it is tempting not to ask simply because you assume that the answer will again be “no” – believe me I understand this. It has limited me no end. Mainly because it has taken me about 2 years to think laterally come up with a new strategy. For some of us the journey is slower than others – there are too many variables between individuals to even analyse this any further.
Perhaps the only advice I can give is to ask the lender on what criteria your application was declined. At least then you know what to change (if you possibly can).
Also have you considered letting an A grade broker hear the “no”s for you untill they find a “yes”? There are a number of brokers that I have faith in that post on this forum. I have not dealt personally with all of them but you can read all of thier posts by having a look at their profiles and choose one that seems to be on your wavelength.
You may also find inspiration in Steve’s new book (I did). I’m not sure of her name without looking it up but one of his mappers was very disheartened at one point but was able to overcome it. I believe you can too if you choose. All of them came across as very human and had barriers to break through (or get around or squeeze underneath – you get the idea?).
Stick around, attend the book launch, read the book and best wishes for your future success.
Kind Regards
SonjaPS You say you did everything in the book… so start looking at the other (infinite) possibilities.
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