Recent content by YvonneVincent

  1. Y

    Anyone know how long changes to Interest Rate options take to go through online -CBA?

    :D:D:Dsame here with nab requested to have the interest rate fixed for two yrs on the 18-03 3 loans changed to 5.09 not 4.99 as agreed 1 loan increased to 5.68 from 5.5 variable :eek: still waiting now
  2. Y

    My bank is very efficient...

    An update I called on last Friday to the discharge team and told them I am sick of the waiting as it has been over a month The guy promised to have have the things sorted out by Monday And he did he really did This morning I just noticed that the interest rate for one of the loan went down...
  3. Y

    North Korea

    Lollolololol
  4. Y

    My bank is very efficient...

    Just a whinge of the day to share with u I spoke to nab requesting fixed rate on our home loans and since then the only thing they had done was swiftly extending my interest only period and loan term to 2041......they did it without needing me to sign on those precious paperwork he emphasized a...
  5. Y

    My Subdivision Diary

    Thx for the update inspiring
  6. Y

    chatteel mortgage, which lender?

    alright suncorp is 6.35% settlement fee upfront $300 no other fee so it means a massive 18.58166666666667 saving per month compared to the nab quote LOL
  7. Y

    chatteel mortgage, which lender?

    Hi All in the process of getting a chattel mortgage for a car. Any one know a good deal? The amount is roughly 25k for 3yrs got one from NAB where my IP loans are with: 5.82% settlement fee 370 MAFA fee 187 PPS reg and maint fee 20 Thx guys
  8. Y

    Westpac 4.99% Fixed Rate is Back

    same here Rolf could u elaborate abit cant understand:p
  9. Y

    which is the priority? location, subdivibility or size?

    Thx for the advices Will definitely ring around for the following but just want to gather some info first What is the rough cost for a garage/ carpot to be removed? I suppose it varies with the structure whether its brick or timber? How about removing trees I know it depends on the size...
  10. Y

    which is the priority? location, subdivibility or size?

    Hi guys we r contemplating a 2 lot subdivision at the moment but we r confused as to which of the following 3 is the most important, assuming the blocks concerned are all flat and similar front house Location: a block in a more favorable pocket of the suburb is probably worth more but is it...
  11. Y

    Selling blocks without agent

    Hi just wondering How do u determine the suburbs for subdivision? Middle ring suburbs without any more vacant land n hence higher land price?But then the house purchasing price should be quite high as well hence the front house is still not cash positive?
  12. Y

    Backyard subdivision? anyone doing it?

    I am only newbie myself but I would say yes to both of ur questions only issue is to find suburbs where I can buy the block with an acceptable looking house for ~only 550K and back block worth ~250K.....
  13. Y

    Backyard subdivision? anyone doing it?

    Hi MTR would u be able to elaborate on how the IPs can bee cash pos? Newbie here not that good analyzing the numbers Thx:)
  14. Y

    Backyard subdivision? anyone doing it?

    :( wish the areas I am looking at have subdivible blocks selling ~500000
  15. Y

    Backyard subdivision? anyone doing it?

    Just interested in how somersoft ppl here are doing this kind of small development before or just buy and hoid Are u finding it hard to sell the chopped backyard? Do u find the original house at the front devalued a lot like >10% after the subdivision? How much did u spend on in the...
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