Hiya Kathlene

Welcome aboard.

Richard wasn’t trying to intimidate.

It’s just that we get a lot of new businesses popping up with the “call me” approach which goes against forum rules/etiquette.

Back to the OP though. Why are you considering a refi from STG? Just trying to work out whether or not is justified. Is it to source a more competitive…[Read more]

Photographers can work wonders Joe :-)

Cheers

Jamie

Hiya

I can’t recommend anyone specifically in West Syd.

Do you need face to face or would you be comfortable with email/phone/skype?

Why are you considering the refi?

Cheers

Jamie

Hi

Looks like you accidentally sent it to me.

Cheers

Jamie

Yep agree with AMP and the OP.

Good to know that AMPs DUA is still in tact though. Their DUA coupled with no credit scoring makes them a decent option for certain tricky deals.

Cheers

Jamie

Hey Shahin

I thought AMP had a DUA with Genworth up to 90%?

That was the case a year or so ago – you could put up sub 90% deals and most of them would get signed off in house and not referred to LMI.

Has this changed? I hope not :-(

Cheers

Jamie

Get onto the paid version of the credit file (if finances allow) – better to get on top of this now rather than later.

Cheers

Jamie

Awesome – thanks Steve :-)

Just changed the sig and clicked on my URL and it redirected me to http://www.passgo.com.au

Cheers

Jamie

Awesome – thanks Steve :-)

Just changed the sig and clicked on my URL and it redirected me to https://www.passgo.com.au

Cheers

Jamie

Awesome – thanks Steve :-)

Just changed the sig and clicked on my URL and it redirected me to https://www.propertyinvesting.com/topic/4740057-new-layout-2/page/4/www.passgo.com.au

Cheers

Jamie

Hey guys

Are we losing signatures?

Cheers

Jamie

We learn how to google at a young age :-)

Cheers

Jamie

I’ve gone green – it’s all about the pushbike these days. Even my little one gets carted around in it if we’re not going to far.

Cheers

Jamie

Agreed.

Just had a couple of 1% discounts provided on loan amounts that don’t normally get those sort of discounts.

Cheers

Jamie

Hi Eric

There’s no need to limit yourself to the one lender because of your expat status – quite a few banks will lend to expats.

Cheers

Jamie

Looks awesome Joe. Wish I could get away with paying $20k on that sort of reno. Just had half the amount of work done on my place and it cost three times as much :-(

Cheers

Jamie

Hi Prasa

Welcome aboard :-)

What will the equity release be used for? Personal or investment?

If for personal use, you should set up the equity release as a separate loan account so you can distinguish non deductible from deductible debt.

Cheers

Jamie

Unless you’re extremely time poor and/or don’t have a lot of confidence in your own DD – I prob wouldn’t engage a BA if buying in close proximity to where you live.

Cheers

Jamie

As a general statement, if your income is relatively low and you’re wanting to grow a portfolio you’ll need to look at positive (or neutrally) geared IPs. A negative IP or two will be a real burden on your cashflow.

It’s all about getting the correct finance structure in place and investing wisely – anythings possible, even on a small…[Read more]