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Hi, Agree, the client has paid for the tax return so I would have thought that they own the information as well. We have an accountant that we work with and the same with his clients, if they ask for copies of the returns etc he can usually email them over within minutes. Also at no extra...

Agree $500 debt is not really an issue with servicing, have had clients with $20k overdraft, no issues as long as its in order and they can service the new debt.

I had a client who was given a rate of 34% for a car loan. Its gotta hurt!:eek:

We don't do a lot of commercial but when we do the commercial space is not the same as resi, with resi you might have 10 lenders that will fit but with commercial sometimes only one or two. Other brokers who do a lot of commercial may have something more to add.:D

Back to the loan account is usually the cheapest, otherwise you sometimes have to pay extra bank chq fee's etc. :)

We all use lenders that we gravitate to; for what is worth, I use ING and have had no issues with cash out, have used ING for investors. However it?s important to get the sequence right, as indicated the assessment rate for ING is high and so ING first, followed by other lenders for the next...

I have had some lenders want to charge for valuing properties over $1m. Suncorp advised they would not charge the client and then after approving the loan wanted to charge $1,000! Which the client would not pay and so there ended the deal. On the other hand other situations with different...

I would not be happy, I aim to return all calls same day, I see people 7 days and will often take calls up to 11 pm at night. If you don't look after your clients someone else will! Cheers,

Just my view, but I always prefer to sit and meet with my clients, happy to discuss over the phone and email etc. There is still something to say about face to face meetings however.:)

Hi, I myself have not used them but a client has twice. He seems happy. See if you can find a few people who have used them and see what their thoughts are. Like I said; I myself have not used them so please do research before making a decision. What is it that they offer that...

Yep, had lots of errors with a number of accountants. I wish it did not happen but it does. Cheers,:(

I had one client have a valuation come back at $361k and the following week using a different lender came back at $420k. Challenging a valuation in theory is possible but I agree with the other posts that it's extremely unlikely you will have it changed. Cheers,

If the LVR is 80% or less and you have a gift then non gen savings may not matter with some lenders. Over 80% is different all together. Personal loan for a deposit of course is something different all together. Cheers,

And if you one of the lucky ones you may be able to get a gift from family to use as a deposit. A stat dec will be required stating its a gift and not refundable. Kind Regards,

Some lenders assessment rate is 7% and other are 8% or more, also things like regular overtime can also have an impact on the amount you can borrow. For example, some lenders will take regular overtime at 100% and others at 50%. In some case?s we have had a yearly bonus used as income for...

Unless they are living rent free with family and the LVR is 80% or less, then some lenders don't include the notional rental amount. Cheers,

I can't say if it's wise or not as I don't know the original posters individual circumstances, my comment is general in nature and is only done so to offer up a suggestion for discussion purposes. Cheers,:D

Alternatively if you have sufficient equity in other residential property you could always do cash out and get resi rates. Have done this for service Stations in the past, but of course you need sufficient equity in other resi property. Best of luck. Cheers,:D

Hi, Interesting reply, I thought It was a bit strange as well. Since I have always obtained a DS for rental properties. Since I am not an accountant I always advise people to get some good advice. Cheers,

Hi, On the surface 4.64% fixed for two years seem good, just check what it reverts back to after this period. Of course you can always refinance after this period. Cheers,