Recent content by twhurl

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    What can be paid by the loan? Vs Out of Pocket?

    We have paid our IP deposit using existing PPOR drawdown. On IP settlement can we pay full purchase cost of IP and costs from IP loan and just request our deposit back from estate agent trust acct? Thanks
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    The Reserve Bank - Next Move?

    Bankwest Cut Did anyone get a lovely 2 page letter from Bankwest saying how great they are and how much they love me so they are giving me .24 of the .25 cut. This has to be derived from the lovely charts they print on the back. My wife and me have a joint account so we get two letters...
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    2.99% Fixed for a Year

    I seee 3.99 on the website
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    Fix Now or Wait ?

    Hi, I just noticed in the fine print that once they yearly discount rate finishes and you revert to one of the packages you do not qualify for the .50 or .60 discount to this rate. This makes this less competitive doesnt it as I think St G ad others apply the discount once you drop off the...
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    Westpac 3 Year Fixed

    Just watchingto the news now, IMF says you aint seen nothing yet, more stimulus needed, the French finance minster says we have to err on side of deficits easing to combat deflation so I cant see how they can tighten yet. I think they are going to loossen interest rates more in Australia before...
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    CBA Start the Rate cut

    OK Im torn between CBA and St George. I need to remortgage as ive got a crap Wizard loan as we were overseas. CBA now owns our loan so I was planning on marching in and threatening to leave. Do you think they will give a flying ... ?
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    CBA Credit policy changes 90% LVR for purchases + 5% genuine savings

    HI Blue Card. Have just stumbled upon local BOQ they seem better than CBA. I'm down to CBA or them I think. I have a Wizard loan that has now become CBA and I would like to go down to CBA and try some hardball
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    Lock it in, Eddie?

    I dont think there is a rush just yet
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    St George 1.5% below std variable

    Should we take the variable -1.5 product and wait for fixes to bottom or wait a bit longer and grab the fix product directly ? I imagine you have to pay the full whack of charges if you convert to fix after one year as opposed to the free switch to generic discount SVR product
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    St George 1.5% below std variable

    I'm about to pull trigger on this one. 4,39 for first year. Then switch to discount SVR product which is currently SVR -.7 I believe. SOunds like one of the best out there
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    Palm trees in Melbourne

    I read today that palm trees suck the life out of your garden with their thirst. Does anyone have any comments on this ? Ive got mine in front garden surrounded by plants and other small fruit trees. Will they interfere ?
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    Palm trees in Melbourne

    I agree. Shes slowly coming around though. We've done some more work and its starting to look really good
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    Palm trees in Melbourne

    My SIL says Palms are so out of style and low class and we have to get rid of our palms and replace them with South African Flowering Judas or whatever. I just moved a small palm growing next to a big palm (sorry Im new to Palms) in our front garden. Im very proud I didnt kill it. Anyway she...
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    Location Location in WA

    Does anyone think the arrival of the train station (whenever that is) and the surrounding development will give SP another kick up ? I have looked at the plans on the SP website and it seems they are going to build a bit of a hub around it
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    Townhouses

    A townhouse in a better near CBD neighborhood has been a better bet for us than a house in a suburb. It seems to be more bullet proof in a slump also
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