Recent content by Shahin_Afarin

  1. Shahin_Afarin

    Finance on smaller block of units

    Thats it dude - just keep it separate and clean :)
  2. Shahin_Afarin

    Finance on smaller block of units

    I meant if you have a PPOR debt - be careful not to redraw (ie. increase the existing non tax deductible debt) in order to use as a deposit for a tax deductible purchase.
  3. Shahin_Afarin

    Finance on smaller block of units

    Yes but as a general comment its going to be more an more difficult to do equity releases in the future.
  4. Shahin_Afarin

    Finance on smaller block of units

    CBA is your best option provided that you can service the debt with them.
  5. Shahin_Afarin

    What should I be doing now while almost there with deposit

    If you are applying for a 95% loan then you will definitely require a Pre Approval IMO. Also note that the lending landscape is changing quite a bit so 95% loans may be a thing of the past.
  6. Shahin_Afarin

    Finance on smaller block of units

    St George will do 4 but if you are doing a hybrid trust then you are limited to CBA and St George with varying LVR's. What's the LVR that you are trying to do it at?
  7. Shahin_Afarin

    Finance on smaller block of units

    CBA, St George, RAMS and Bankwest will do 4 units on a single title under residential lending and thus resi rates. You would be looking at rates of circa 4.20'ish depending on the lender. Dont do redraw as it may have tax implications. Ensure loans are standalone and separate and properties...
  8. Shahin_Afarin

    End of an Era

    We often forget that the amount of time and money people put in to provide these little gems. Thanks to Sim and all the moderators for all your efforts behind the scenes.
  9. Shahin_Afarin

    21 day settlement possible?

    Is it possible yeah but depends on the circumstances - say its 80% LVR and you use a COS lender like ANZ, CBA, Westpac, etc and your broker or banker has the ability to get credit to look at it within 24 hours of submission. Then you can get docs emailed to you. Hopefully its not a QLD...
  10. Shahin_Afarin

    'Medico' package (85%+ LVR with no LMI) for IT workers

    It depends on what type of celebrity they are. If they are a news presenter or tv personality working for one of the networks then they need to have an employment contract in place. If its an actor/actress then we need last 2 years financials. The only thing is that most of these make...
  11. Shahin_Afarin

    IP @ Belconnen, Canberra

    Has the canberra market picked up or is it still struggling?
  12. Shahin_Afarin

    'Medico' package (85%+ LVR with no LMI) for IT workers

    yep forgot that - I think they do physios as well don't they?
  13. Shahin_Afarin

    'Medico' package (85%+ LVR with no LMI) for IT workers

    Not included unfortunately.
  14. Shahin_Afarin

    'Medico' package (85%+ LVR with no LMI) for IT workers

    whats your occupation?
  15. Shahin_Afarin

    ANZ staff lend 90pc no lmi?

    No special treatment for brokers - my wife is westpac staff.
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