PropertyInvesting.com | pfsfinance | Activity https://www.propertyinvesting.com/members/pfsfinance/activity/ Activity feed for pfsfinance. Sun, 05 Apr 2026 21:18:20 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 63e3e0320a9b278c44769930831a7c85 pfsfinance replied to the topic Finance for an ex-bankrupt in the forum Finance https://www.propertyinvesting.com/topic/4384329-finance-for-an-ex-bankrupt/#post-4541273 Sun, 19 Feb 2006 13:56:05 +0000 You wouldn’t be able to get 100% being ex bankrupt.

Are you a discharged bankrupt?

The best I have ever done for a discharged bankrupt was 90% and managed to get Lenders Mortgage Insurance through a major lender. The client had been discharged for 3 years.

Finance Industry for over 20 years

0424 600 249

]]> 3bc436af393ace9c159b3f84bc37cacb pfsfinance replied to the topic Finace for First Home Southport 5-7% deposit in the forum Finance https://www.propertyinvesting.com/topic/4383510-finace-for-first-home-southport-5-7-deposit/#post-4537086 Fri, 16 Dec 2005 13:07:30 +0000 With you being on a probation period of 3 months yo would have to wait for the 3 months to finish. The main problem that you will have is with the Mortgage Insurers with their strict policies. You can normally get around not being with the same employer for less than 12 months if the new position is in the same industry and you can show stable…[Read more]

]]> 8980267b2c886a44973a49e181d44731 pfsfinance replied to the topic Gold Coast investment group in the forum No Subject https://www.propertyinvesting.com/topic/4381414-gold-coast-investment-group/#post-4524268 Wed, 10 Aug 2005 10:52:50 +0000 I would be interested in helping to get one started.

General Manager
Private Lender & Property Developer

0424 600 249

]]> f7a8167dc594f2e0b59b179ceb361a5d pfsfinance replied to the topic 100%+ Finance in the forum Finance https://www.propertyinvesting.com/topic/4380835-100-finance/#post-4520488 Mon, 20 Jun 2005 02:28:15 +0000 Sounds like you need some real creative financing.

What sort of commercial deal is it?

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 33714d734b810f14852c33d9c93ba95f pfsfinance replied to the topic 95% LVR Refinance? in the forum Finance https://www.propertyinvesting.com/topic/4380811-95-lvr-refinance/#post-4520381 Fri, 17 Jun 2005 12:55:11 +0000 You will find it is actually the Mortgage Insurers that won’t allow a 95% refinance. The most the Mortgage insurers allow is 90%

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> ed2d4000e3fa7f2903f8bf3b00fbce13 pfsfinance replied to the topic Meet for coffee on the Gold Coast (Queensland) in the forum No Subject https://www.propertyinvesting.com/topic/4369774-meet-for-coffee-on-the-gold-coast-queensland/#post-4442878 Mon, 06 Jun 2005 02:28:04 +0000 I’m on the Gold Coast also and would love to meet up for coffee.

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 250c655391c4c1feffed02a5196685d1 pfsfinance replied to the topic Which mortgage aggregator for a new broker? in the forum No Subject https://www.propertyinvesting.com/topic/4380455-which-mortgage-aggregator-for-a-new-broker/#post-4517824 Wed, 01 Jun 2005 04:23:05 +0000 I have previously used Fintrack, AFG and then PLAN, wasn’t happy with any of them.

I have come across a great aggregator in QLD which are expanding into the other states that pays upto 120% of commission from the lender and they pay it within 5 days of settlement.

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with…[Read more]

]]> d4c44bcded7a9bbba81853d9ba07ed5f pfsfinance replied to the topic Which mortgage aggregator for a new broker? in the forum Finance https://www.propertyinvesting.com/topic/4380455-which-mortgage-aggregator-for-a-new-broker/#post-4517824 Wed, 01 Jun 2005 04:23:05 +0000 I have previously used Fintrack, AFG and then PLAN, wasn’t happy with any of them.

I have come across a great aggregator in QLD which are expanding into the other states that pays upto 120% of commission from the lender and they pay it within 5 days of settlement.

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with…[Read more]

]]> f28b1d861a267e0c70a1b3ad2c6035df pfsfinance replied to the topic Loan Size Increases on Low Docs in the forum No Subject https://www.propertyinvesting.com/topic/4380465-loan-size-increases-on-low-docs/#post-4517926 Thu, 26 May 2005 06:12:24 +0000 A lot of the funders haven’t increased their maximum loan amounts to match the mortgage insurers yet, but it will be done of the next couple of weeks.

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 33a147bfc946cbf122abfbe482a0ff70 pfsfinance replied to the topic Which mortgage aggregator for a new broker? in the forum Finance https://www.propertyinvesting.com/topic/4380455-which-mortgage-aggregator-for-a-new-broker/#post-4517819 Thu, 26 May 2005 05:25:11 +0000 There are other ways to get into the industry.

Mark if you want to send me an email.

financecoach@optusnet.com.au

I might be able to point you in the right direction.

Kerri

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> c3160dc18d040c45b4325745ecdc0b54 pfsfinance replied to the topic Which mortgage aggregator for a new broker? in the forum Finance https://www.propertyinvesting.com/topic/4380455-which-mortgage-aggregator-for-a-new-broker/#post-4517817 Thu, 26 May 2005 04:59:57 +0000 I know a great aggregator that you should be able to get on board with.

What state are you in?

Have you been able to obtain MIAA membership?

Kerri

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 0f576eee75de36f39d930aeaabbacdec pfsfinance replied to the topic Loan to Value or loan to Purchase price? in the forum No Subject https://www.propertyinvesting.com/topic/4380413-loan-to-value-or-loan-to-purchase-price/#post-4517544 Tue, 24 May 2005 06:33:53 +0000 There are a couple of lenders around that will go on Valuation price not purchase price, but rates can be higher.

With off the plan purchases where the contracts are over 12 months old, some lenders will go on the valuation not the purchase price.

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in…[Read more]

]]> b08f297acde4e43a4310dd04ab956965 pfsfinance replied to the topic Some sound advice please in the forum General Property https://www.propertyinvesting.com/topic/4380423-some-sound-advice-please/#post-4517585 Tue, 24 May 2005 06:30:19 +0000 To make it worth while over the long term, the loan would have to be P & I, so at least you debt would be reducing because you wouldn’t want it interest only, if there is not much chance of capital growth over the long term.

Do you have debt on your own home?

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20…[Read more]

]]> 76e944754f278a57ae7390eba3ef4509 pfsfinance replied to the topic How to get tax refund fortnight instead of yearly? in the forum General Property https://www.propertyinvesting.com/topic/4380363-how-to-get-tax-refund-fortnight-instead-of-yearly/#post-4517244 Fri, 20 May 2005 10:29:07 +0000 You don’t need your employer to agree to it.

Once you complete the “1515” form from the tax office, you then forward it to the tax office who then inform your employer to adjust the with-holding tax payable.

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 17ce90e5f88a9fdb2d4b87f826ff5dfa pfsfinance replied to the topic To Rent or to Buy? in the forum Help Needed! https://www.propertyinvesting.com/topic/4380366-to-rent-or-to-buy-2/#post-4517253 Fri, 20 May 2005 10:25:11 +0000 After many years of research, these days I actually rent as I find I am financially better off by doing this. The property I have been renting for the past 18 months, would cost me approx $1,050- per week if I was buying this property and that’s interest only. I am only paying $410- per week in rent, so I’m saving $640- a week plus all the normal…[Read more]

]]> 4c05e874eea53e95fb0b056ebbf3448d pfsfinance replied to the topic Melbourne suburbs with bad reputation in the forum Help Needed! https://www.propertyinvesting.com/topic/4380237-melbourne-suburbs-with-bad-reputation/#post-4516124 Wed, 18 May 2005 11:09:21 +0000 I’d have to agree with you there, but as I have family there and a few i/p’s I still have to go there twice a year.

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> e20458667b65d5f78223a575302c72e3 pfsfinance replied to the topic Melbourne suburbs with bad reputation in the forum Help Needed! https://www.propertyinvesting.com/topic/4380237-melbourne-suburbs-with-bad-reputation/#post-4516122 Wed, 18 May 2005 11:03:23 +0000 The only good thing about Melbourne is the footy.

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 76626458fd8c04b3180c7f6fbe8e8688 pfsfinance replied to the topic Melbourne suburbs with bad reputation in the forum Help Needed! https://www.propertyinvesting.com/topic/4380237-melbourne-suburbs-with-bad-reputation/#post-4516120 Wed, 18 May 2005 10:45:00 +0000 Lived in Melbourne for many years, moved from there 2 years ago.

These are some suburbs I know had a bad reputation don’t know what its like these days.

Broadmeadows

Westal

Dandenong

Doveton

Parts of Cranbourne

Parts of Endeavour Hills

Springvale

Noble Park

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with…[Read more]

]]> f4787ca93de9ca7982ce3626eed43432 pfsfinance replied to the topic Equity Lending is a disgrace !! in the forum General Property https://www.propertyinvesting.com/topic/4380251-equity-lending-is-a-disgrace/page/2/#post-4516291 Sat, 14 May 2005 00:04:33 +0000 The Credit funded dream lifestyle is alive and kicking.

The availability of credit and poor financial education is to blame.

Life skills should be taught in all schools especially how to save, budgeting, investing and how finance and credit works and what happens if can’t pay you debts and how it can effect your whole future. There is many 19…[Read more]

]]> 0c8ea2ff34d229225ecb36b50dc2d323 pfsfinance replied to the topic multiple property borrowings question in the forum No Subject https://www.propertyinvesting.com/topic/4380259-multiple-property-borrowings-question/#post-4516360 Fri, 13 May 2005 23:19:51 +0000 The problem you have with 4 units on one title as most lenders see it as unacceptable security. Mortgage insurers wont touch them, so if you are purchasing security such as this, the maximum loan amount is 80% and you must use a lender that doesn’t securitise (where all loans, no matter what the amount are mortgage insured). This sought of…[Read more]

]]> 8c7ddc52b628d7552350f32f4de71ae7 pfsfinance replied to the topic Looking for a Mentor in the forum Help Needed! https://www.propertyinvesting.com/topic/4380214-looking-for-a-mentor-3/#post-4515881 Thu, 12 May 2005 05:56:47 +0000 Jewel-

Normally during the day is the best time to call.

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 863b90b84b7b3eb2130e351ebea2ffa1 pfsfinance replied to the topic Looking for a Mentor in the forum Help Needed! https://www.propertyinvesting.com/topic/4380214-looking-for-a-mentor-3/#post-4515875 Wed, 11 May 2005 22:56:24 +0000 I am on the gold coast and are more than happy to be a mentor. If anyone is interested.

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 492df0e75adf4de7f3082d64da062d1b pfsfinance replied to the topic Brokers- What do you expect from a BDM? in the forum No Subject https://www.propertyinvesting.com/topic/4380189-brokers-what-do-you-expect-from-a-bdm/#post-4515716 Tue, 10 May 2005 22:32:07 +0000 If any of you brokers needs a fantastic contact at nab, let me know. She’s based on the Gold Coast, but will deal with brokers all over australia.

State Manager
0425 358 293

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 58f01553918e98a9d673de7729857ad4 pfsfinance replied to the topic Brokers- What do you expect from a BDM? in the forum Finance https://www.propertyinvesting.com/topic/4380189-brokers-what-do-you-expect-from-a-bdm/#post-4515711 Tue, 10 May 2005 12:13:00 +0000 I remember dealing with a Commercial BDM and ended up not using him because you could never get him on the phone and if you left a message, if he did actually return the call, it would be a bout a week later. So guess who didn’t use the BDM after putting up with that a couple of times.

I have a fortnightly calling program and sometimes if I’m…[Read more]

]]> 995fb5c106234c8a88e884457b24b700 pfsfinance replied to the topic Recruitment Agencies - Very Disappointing in the forum Opinionated! https://www.propertyinvesting.com/topic/4380176-recruitment-agencies-very-disappointing/#post-4515629 Tue, 10 May 2005 11:22:38 +0000 I have a friend who is a broker in perth. She reckons it’s a nightmare over there for licensing.

State Manager

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 555a6a38adc410af5e71c649a5980305 pfsfinance replied to the topic Recruitment Agencies - Very Disappointing in the forum Opinionated! https://www.propertyinvesting.com/topic/4380176-recruitment-agencies-very-disappointing/#post-4515627 Tue, 10 May 2005 10:56:31 +0000 Hi Rob

Got your email, fowarding on tomorrow.

I hope I’m in the 10% favourable BDM’s, anyway my brokers love me. How many BDM’s will answer their phone late at night and help a broker who’s with a client with a scenario. I often receive scenario’s by email out of business hours and will answer them straight away.

I reckon BDM’s need to have…[Read more]

]]> 2838f1ae82575fa3add2a864b927cfb9 pfsfinance replied to the topic Exit Fees - Low Doc Loan in the forum Finance https://www.propertyinvesting.com/topic/4380160-exit-fees-low-doc-loan/#post-4515466 Tue, 10 May 2005 03:10:54 +0000 You also might want to check whether the loans have “Loan/security portability”. Where the loan may be transferred to another security property, saving on loan stamp duty, early repayment fees and establishment costs. This is for if you are looking at buying another property when/if you sell this one.

State Manager

Wholesale Mortgage Lender…[Read more]

]]> 345b03359b6ebd89e0ec814b5f9f7ca5 pfsfinance replied to the topic Exit Fees - Low Doc Loan in the forum Finance https://www.propertyinvesting.com/topic/4380160-exit-fees-low-doc-loan/#post-4515464 Tue, 10 May 2005 02:38:41 +0000 All the lo docs I have access to have 1.2% early repayment fees for the first 5 years.

You would need to look at the total costing including entry fees, interest rate, whether LMI is payable and the exit fees and compare the products that way to find the product most suitable for your needs.

State Manager

Wholesale Mortgage Lender that deals…[Read more]

]]> 9fd2ca6efb1d1e8d0fa14cbb592840f5 pfsfinance replied to the topic Queensland - Where to look at - 20 yr plan out in the forum General Property https://www.propertyinvesting.com/topic/4380085-queensland-where-to-look-at-20-yr-plan-out/#post-4514956 Tue, 10 May 2005 01:59:01 +0000 Hi Resi Wealth

Have to agree with you about ipswich etc.

Would you mind sending me a copy of the report. It would be much appreciated.

State Manager

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 7a8f900e2f3c7c10397c6108ea1b7e33 pfsfinance replied to the topic need guidence in the forum Help Needed! https://www.propertyinvesting.com/topic/4380148-need-guidence/#post-4515397 Mon, 09 May 2005 12:24:27 +0000 Motels are what they call specialised securities and normally you can only get around a 60% LVR and there are not many lenders that will even look at them.

Maybe you could refinance your existing properties and pull out what you can to put towards the freehold, getting whatever loan amount you can and see if the vendor will vendor finance the…[Read more]

]]> 23cba73b74713131d04d226760ed0be9 pfsfinance replied to the topic Finance help in the forum No Subject https://www.propertyinvesting.com/topic/4380155-finance-help-2/#post-4515453 Mon, 09 May 2005 11:59:18 +0000 Are you putting any funds into the purchase?

What is the postcode and are the units on one title?

With your bad craa, have the debts been paid or are they unpaid defaults.

There is virtually no chance in obtaining a unsecured p/loan with a bad craa. I’d need to know a bit more info before I could let you know of some options.

State…[Read more]

]]> b12c2c7794d76bc9508c90691868f939 pfsfinance replied to the topic Lines of Credit. Who has the cheapest. in the forum Finance https://www.propertyinvesting.com/topic/4379961-lines-of-credit-who-has-the-cheapest/#post-4513874 Tue, 03 May 2005 13:04:10 +0000 Been doing a bit of research today. Yes Home Loans has one 7.09% minimum $50,000. Can have up to 4 splits. no monthly or annual fees. App fee $395

State Manager

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 49083c1777f517b47690af11501b6539 pfsfinance replied to the topic Margin Lending- Shares in the forum Finance https://www.propertyinvesting.com/topic/4379977-margin-lending-shares/#post-4514049 Sun, 01 May 2005 13:17:24 +0000 Hey Rob, Thanks for the explanation.

Another question. How do Margin Lenders work out what shares are okay to lend against. What if somebody had $3mil worth of shares in a company thats share price is around the 0.60c mark would lenders look at this even with a really low lvr (20% mark).

Thanks

State Manager

Wholesale Mortgage Lender that…[Read more]

]]> ac955dd20c5c00239812a443cec68f0b pfsfinance replied to the topic Money for Living P/L ? in the forum Help Needed! https://www.propertyinvesting.com/topic/4379978-money-for-living-pl/#post-4514055 Sun, 01 May 2005 06:29:54 +0000 They actually purchase the property and give the people living there tenancy for life. They will give the person a lump sum and then pay the rest of the funds owing on the purchase contract over an agreed term.

State Manager

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> d8b125d11998c934c9ce5b9bc3b568b1 pfsfinance replied to the topic DNA Property Group anyone? in the forum Heads Up! https://www.propertyinvesting.com/topic/4379913-dna-property-group-anyone/#post-4513542 Sat, 30 Apr 2005 09:35:23 +0000 I couple of people I know were working for DNA when the company 1st started. I actually went to 1 of their first seminars to give the people I know a bit of support.

They didn’t excite me. I think they are a glorified property marketer.

State Manager

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 52f8f08386135433fd8063dadd2cd247 pfsfinance replied to the topic wANT TO BUY MORE PROPERTIES in the forum Help Needed! https://www.propertyinvesting.com/topic/4379974-want-to-buy-more-properties/#post-4514006 Sat, 30 Apr 2005 09:31:54 +0000 I’d be sitting down with another broker and get a second opinion on your borrowing capacity and the way your loans are structured.

State Manager

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 855a18639e4cb2697e2a3cef37f74d23 pfsfinance replied to the topic Some info on Bankruptcy & Debt Collectors in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4379966-some-info-on-bankruptcy-debt-collectors/#post-4513971 Fri, 29 Apr 2005 23:36:25 +0000 Information sheet on Bankruptcy.

BANKRUPTCY

Bankruptcy has very serious consequences for the rest of you life. Do not take this step without speaking to a Financial Councilor to see if there are other options available to you. If you are in debt and are considering bankruptcy, you should know bankruptcy is your last resort. Once bankrupt it is…[Read more]

]]> d7d5b6cb0966b4760fbc3af179a366be pfsfinance replied to the topic Average LMI? in the forum Finance https://www.propertyinvesting.com/topic/4379940-average-lmi/#post-4513714 Fri, 29 Apr 2005 14:08:35 +0000 I’ve just done an example of 2 different lenders, just to show that there are differences in premiums between lenders.

State Manager

Wholesale Mortgage Lender that deals only with brokers.

20 years in Finance Industry

]]> 143b238ebbf5e1f7b6263dda8577ef45 pfsfinance replied to the topic Average LMI? in the forum Finance https://www.propertyinvesting.com/topic/4379940-average-lmi/#post-4513712 Fri, 29 Apr 2005 13:16:24 +0000 Lmi premiums also differ between Owner occupied loans & Investment Loans, P & I Loans & interest only loans, Non-Genuine savings & Genuine Savings and there can be different rates again if you are are a First home buyer . Gemico is normally cheaper then PMI and Gemico is normally the preferred insurer because of the difference in premiums. Gemico…[Read more]

]]> 993047bd05eaf8d388291477ffa3cfc7 pfsfinance replied to the topic Seeking Advice in the forum Help Needed! https://www.propertyinvesting.com/topic/4379947-seeking-advice/#post-4513794 Fri, 29 Apr 2005 06:25:04 +0000 The problem you might come across when you go to settle on these properties is that you might only be able to get finance on the contract price and not the valuation price.

Wholesale Mortgage Lender that deals only with brokers.

]]> ea021bee94bb8ef05ba7bba31d5c7682 pfsfinance replied to the topic GOLD COAST PROPERTY/POSITIVE CASH FLOW OR GEARING in the forum No Subject https://www.propertyinvesting.com/topic/4379936-gold-coast-propertypositive-cash-flow-or-gearing/#post-4513682 Fri, 29 Apr 2005 06:18:06 +0000 The Gold Coast isn’t just a Holiday rental market. There is a permanent rental market up here as well.

It really depends if you are looking at being able to use the property for your own holidays or whether you just want to rent it out permanently.

Wholesale Mortgage Lender that deals only with brokers.

]]> 9f0efd67d6f4c19c3a4ae1b8c70d2e64 pfsfinance replied to the topic Lines of Credit in the forum Finance https://www.propertyinvesting.com/topic/4379848-lines-of-credit/#post-4513155 Tue, 26 Apr 2005 12:02:37 +0000 Hey Rob.

Whats the difference between a reducing LOC and a Loan with a offset account?

e: financecoach@optusnet.com.au

Mobile: 0425 358 293

]]> 6ba33f47f0379a56b5f85603f032cd87 pfsfinance replied to the topic Investing in Motels in the forum Creative Investing https://www.propertyinvesting.com/topic/4379810-investing-in-motels/#post-4512993 Sat, 23 Apr 2005 11:45:53 +0000 Do you need finance to complete the purchase? If so motels are seen as specialised securities, which means there is a very limited number of lenders that will provide finance and your lvr will be very low mainly around the 40 – 60% mark.

e: financecoach@optusnet.com.au

Mobile: 0425 358 293

]]> f9257468e47b5aaf2db030c61c7554d9 pfsfinance replied to the topic Mortgage Brokers in the forum Finance https://www.propertyinvesting.com/topic/4379827-mortgage-brokers-7/#post-4513054 Fri, 22 Apr 2005 10:26:58 +0000 Are you after a loan or do you have some questions?

If you have questions, feel free to email me as my name says I’m not a broker anymore but I am a state manager for a Mortgage Manager and will be able to answer any questions you have and point you in the right direction.

e: financecoach@optusnet.com.au

Mobile: 0425 358 293

]]> a8e22f5200cba77fd6da2cc5795c7a8f pfsfinance replied to the topic 95% Lo Docs in the forum Finance https://www.propertyinvesting.com/topic/4379802-95-lo-docs/#post-4512957 Fri, 22 Apr 2005 02:50:54 +0000 Steven- I’ll send you a product matrix as soon as it is released.

I will also post the relevant details regarding the product on here.

e: financecoach@optusnet.com.au

Mobile: 0425 358 293

]]> c21db9b49fe03c9450fb908aae72c628 pfsfinance replied to the topic 95% Lo Docs in the forum Finance https://www.propertyinvesting.com/topic/4379802-95-lo-docs/#post-4512951 Wed, 20 Apr 2005 12:15:03 +0000 There is already one out there now, but there will be a new one hitting the market in the next couple of weeks.

If the product is similar to the 90% lo doc they have, there will be no mortgage insurance, but a settlement fee. The 90% product has a 1% settlement fee, payable on settlement.

e: financecoach@optusnet.com.au

Mobile: 0425 358 293

]]> b2ad593640559079426b848ba95a6bb0 pfsfinance replied to the topic loan for 38sq metre flats in the forum Finance https://www.propertyinvesting.com/topic/4379789-loan-for-38sq-metre-flats/#post-4512906 Wed, 20 Apr 2005 10:31:11 +0000 I have emailed you with a lender that will definately do it. I spoke to them today about your situation.

e: financecoach@optusnet.com.au

Mobile: 0425 358 293

]]> 86fb16cabc14441c50aefa03150d2c9c pfsfinance replied to the topic The best option in the forum No Subject https://www.propertyinvesting.com/topic/4379779-the-best-option/#post-4512861 Tue, 19 Apr 2005 13:02:41 +0000 It really depends on the current rate you are paying on your p&i loans and you may also be able to increase the loan amounts with you current lender. You would probably have to do a construction loan on the land before you start building. How many units are you looking at building and have you run what you want to do with your current…[Read more]

]]> 89bb80dc14adc998062a62e458013f07 pfsfinance replied to the topic loan for 38sq metre flats in the forum Finance https://www.propertyinvesting.com/topic/4379789-loan-for-38sq-metre-flats/#post-4512903 Tue, 19 Apr 2005 12:25:20 +0000 Do the 2 smaller flats have kitchens?

I’d have to ring a funder tomorrow to see if they will do under 45m2.

What postcode are the properties in and are you looking for full doc or lo doc?

e: financecoach@optusnet.com.au

]]> c41a2ab76ccaf307462b9ea362a815f4 pfsfinance replied to the topic Unlicensed selling in the forum No Subject https://www.propertyinvesting.com/topic/4379778-unlicensed-selling/#post-4512856 Tue, 19 Apr 2005 09:55:58 +0000 Contracts need to be done by solicitors and any deposit from the purchaser needs to be taken by the solicitor and placed in their trust account.

e: financecoach@optusnet.com.au

]]>