Recent content by Azza

  1. A

    Basic variable rate loan with redraw?

    Mate, you are a legend! Short and sweet summary... This is exactly what I was suspecting.... just getting reasonable renew rate from CBA is probably a good option.... PS My CBA lender from 3 years ago is now a branch manager - good for him! I've called bank and they told me a new loan...
  2. A

    Basic variable rate loan with redraw?

    They're now redirecting to Bendigo Bank http://www.bendigobank.com.au/public/personal/home_loans/home_loans_dbdetail.asp?ID=2 7.8% plus monthly fee... thanks but no thanks... Where is PDS for Adelaide made loans?
  3. A

    Basic variable rate loan with redraw?

    Cool, thanks mate! They can't make it any more confusing, can they?
  4. A

    Basic variable rate loan with redraw?

    Do I get it right this is ABL: http://www.ablehomeloans.net.au/page/products.html Looks a bit scary, very basic website - like a garage lender... no PDS, no rates, no fees - just contact us for all information... Are they safe? Perhaps you are talking about Adelaide Bank?
  5. A

    Basic variable rate loan with redraw?

    Hi Brett, I understand the following: 1. Offset allows me to keep the initial dept, so I can rent the place and claim neg gearing. 2. Offset is more conviniet so I don't need to move funds between accounts all the time. I am with CBA now and their "MISA account" sucks big time, they call...
  6. A

    Basic variable rate loan with redraw?

    Hi Rolf, I most likely will still be living there in 5 years. In the same time I want to keep the door open for renting it out. This makes interest only and offset account a preference... In the same time I don't want to overpay for this feature. I've tried to rent out my PPOR 3 years ago...
  7. A

    Basic variable rate loan with redraw?

    Again, here we go: https://www.amp.com.au/wps/portal/au/AMPAUProduct3C?vigurl=%2Fvgn-ext-templating%2Fv%2Findex.jsp%3Fvgnextoid%3Db088272277a02210VgnVCM10000083d20d0aRCRD Click on "Rates and fees" tab, next go to "Fees and charges guide" (pdf document) Redraw Fee $50 Payable each time we refund...
  8. A

    Basic variable rate loan with redraw?

    Well, I've just checked ING website... http://www.ingdirect.com.au/home_loans/home_loan_products/variable_rate_loans/mortgage_simplifier.htm *A once only SmartPack fee of $699 applies. For a limited time, ING DIRECT will offer a bonus SmartPack interest rate discount of 0.10% p.a. and...
  9. A

    Basic variable rate loan with redraw?

    Hi, My fixed term PPOR loan is finishing, I have an opportunity to switch loans now... Loan amont is about 350.000 I checked Infochoice for basic variable rate loans with redraw facility http://news.infochoice.com.au/home-loans/basic-variable-home-loans.aspx# What I noticed is all...
  10. A

    Point Cook Vs the East

    I only saw one proper beach on the West, it's Williamstown. Do I miss something? For example, does Altona actually classifies as a beach??? With all the smelly seaweeds, jellyfish and shalow water? Does anyone actually swims there?
  11. A

    seaford vic gaining?

    Hmmm, the house isn't that great but they have a private tennis court... Should this happens on quiet street next to the beach(as advertised!) , 795k will be a good price. Unfortunately this one is at the wrong side of the freeway. "just moments to the beach???" BS! Good luck with getting that...
  12. A

    seaford vic gaining?

    You don't need to convince me. I never argued there is a big difference :) And yes, you will rarely see me around the pier in summer. Safeway is better if you want an easy parking and don't want to cross the road without the traffic lights. Otherwise plenty of really quet spots...
  13. A

    seaford vic gaining?

    Well, it's easy to find a good private school! Trick is to find a good public one. Parkdale primary results are no better to say Kanannook school in Seaford, in fact they are worse. What worries me is the results in writing and spelling...
  14. A

    seaford vic gaining?

    Well, if you think Patterson Lakes is filled with bogans or Claude st belongs to beachside Seaford - that's OK but I beg to differ :) Hey, IMO even local schools are mostly not "bad" - they are just remarkable average, apart from a few bad ones. Trouble is to find a good school. Are you...
  15. A

    seaford vic gaining?

    I have not seen any! Look, you can come across a derelict house with front fence falling apart. But no signs of "real trash"
Top