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As I said to Rolf, instead of comparing the products I should have compared a)what we've been taking advantage of with the StG product with b) what we'll be taking advantage of with the loans.com product. i.e. we plan to continue to pay off the P&I whilst having a bit of spare money sitting in...

It was something I definitely wanted calarifying so I spoke at length to the chap on the phone about the very distinction and was satisfied with his explanation that any money one has in the offset/redraw facility is effectively offset against the outstanding amount on the loan. I guess I'll...

Rolf, what I should have said was "we'll be taking advantage of exactly the same bells and whistles within the product i.e. the offset acct, as we are with StG product. Agreed, the product fits our specific use, and confident that will be the case down the track having taken into account our...

Hi coolcup69, from the terms & conditions... "We will establish an offset / redraw facility for you. The amount which is available for you to redraw may be shown in a separate offset / redraw account statement forwarded to you periodically. If you have repaid early $20 or more, so long as...

Hi Success Yes, we've refinanced with them and are currently in the process of signing the docs right now. Was paying 5.39% plus $395 pa with StG so happy to transfer to 4.87% and no annual fee. Exactly the same product as we're getting with StG. Staff have been very professional and...

Hi Redblooded Welcome - I'm booked in again to see www.taubenschlag.com.au next week and am anticipating good service as I've received over the years. I'm sure others here in the capital will have some good recommendations too. Best of luck. Rudi

I've used John Taubenschlag at Woden for 4-5 years and he knows the property side of things well. Good luck. www.taubenschlag.com.au/ Rudi

Welcome DivineWind! Well done on the purchase. Re accountant, I've used John Taubenschlaug at Woden for past 4 years and found him to be very efficient and knowledgeable in terms of claiming everything possible. Cheers :) Rudi

nice work MelbGal, that's a great discount there. Fingers crossed NAB don't get greedy and increase more than ANZ in 3 weeks to bring them more into line though.

certainly is :D, ask to speak with Anita !

"Paperwork from StG is in the mail! Well done to all - plenty of goals kicked in this thread, inspirational stuff. My financial health check (long overdue!) has resulted in the following. Currently with StG for investment prop loan (337K debt) and only had a 0.5% discount from when we...

ta for advice and the tip Lynn - definitely food for thought. Will raise the splitting approach with my mortgage broker b4 all the paperwork goes through. And besides, my accountant already "loves $$" me and has for some f/y's now, so I can do w/o any more of that sort of loving! Cheers Rudi

Hi all Not entirely relevant post on prop forum but have noticed other shares-related threads so hoping I might receive a few helpful answers/replies from the stock market gurus amongst you, to what is hopefully a simple question... Question is, if I set up a line of credit (Int Only)...

Hi Guys Guess what!! My wife and I are proud owners of……… an investment property (huh! who thought we were going to say something else!!) Details you ask?? Well I’ve been a big reader/fan of this forum but mostly a lurker over the past couple of years and we’ve finally taken that leap...

Geoff Ta for the info re Canberra dates. Good point - with some budding HK's out there, more attention the better eh! :)

Hey Pedro Yep, that was me - the Athletics buff! Was in unchartered territory with the challenging approach so was reluctant to carry on the debate so had to call it a draw but I was gob-smacked by the porky pie/ exaggeration, call it what you will - made me think abt the other...

Hi Beech - no probs. The other good thing that came out of the evening was that my wife and I enjoyed a rare romantic early dinner by Lake Burley Griffin (Big Macs & fries - change outta 7 bucks!). I'd insert a smiley thingy here if I knew how - I'll get there! Guys, I promise to be less...

Hi Pedro and all Time to convert my sometimes “lurker” status to making a post. Crikey – it’s only been 19 months since my last post! And after this I’ll only be 145,231 squillion behind GeoffW in the “top Canberra” poster ranks! My wife and I also went along to this seminar last night...

Thanks for the prompt replies and tips guys – they make for interesting reading. Geoff (btw, point taken on the OTP unit purchase in ACT, happy to say that ours will offer uniqueness and isn’t a high rise and is in a beaut location smack bang next to restaurants and other amenities). We...

Hi All This is my very first post on the forum which I must say I’m a big fan of, having read a lot of the posts recently. I came across the site after reading Jan’s book, More Wealth from RP in past 6 months and after a lot of research, my wife and I are very close to exchanging contracts...