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Fixed rate flexibility Good morning, just a quick one thinking about going fixed with ANZ 3yr. I have one loan split into 2 both secured by the same property. I am quite sure its just a offset acc. If i fix but keep the smaller loan at a variable rate can i still access equity during the next 3...

Thank you for the prompt replies. Yes the exit fees do not apply after 3 yrs, I understand that an option would be to wait for the next 8mths and then move, however moving now to ANZ enables us to save 1.5bp which on this loan amount is a huge bonus for us. I was hoping that resimac were only...

Hello I am writing this post in the hope that someone on the forum may be able to inform me if there is any possibility of reducing an exit fee in which i am incurring due to a refinance. I have a large loan on my PPOR with resimac I am refinancing to ANZ. I have been with resimac for just over...

Thank You to all those who replied!! I did omit to mention it is a refinance, however I get the picture. We are refinancing from a low doc to full unsure who with. I am just considering getting it into order ASAP We are going over seas. It is a high level lend property worth 2.2 mill. Jamie I am...

Hello could someone please tell me how long a loan takes on average to settle once application has been submitted. It is an 80% lend (no mortgage insurance) I understand there are a lot of variables that come into play. I am after a general idea Thankyou

Adelaide bank Hi i just read on the homeloan expert web site that Adelaide bank lend for service apartments, perhaps worth looking at.

Hello just wanting to get opinions from people out there. I am wanting to sell an investment property over the next few months. It is situated in westgarth Northcote. Single front 3 bed1bathroom great position fully renovated. I get 730 a week rent and have done for the last 3 years. I want to...

My loan was variable

Hi, I am just refinancing from Rams, i had a fee of 1% (3rd) year into my loan. I rang Rams on Friday They have changed their fee structure post July 1st. I asked for it in witing , which they have also provided. My exit fee went from being $10,000 to $600. Perhaps you could call your bank and...

Rams possible changes Hello can anyone confirm if this is an April Fools joke, or something that may be happening, Thanks Indulgedbelle.

Hello, I am looking to refinance an existing low doc loan, at a 60%LVR the amount required will be 1.4mil. I require cash out of $250,00. I am wanting to steer away from the big 4 if possible. I meet the requirements for a low doc, and want to avoid going to a mortgage insurer, hence the 60%...

Asic Hello, could someone please tell me what a form 309A Notification of details of charge is?, I just did a search on the ASIC site to find two lodgements one 2005 and one 2009 in relation to my company. I have borrowed money without a problem during that time, so I am assuming it is not a...

Valuation Yes you are correct. That is my point how can the banks valuation be lower than a rates notice 22mths old.

Low valuation Hello can someone please offer me some advice. I have just received a valuation that has come in way under market value. In Dec 2007 the valuation from a bank came in at $ $580.000 The current value rate notice (done Jan 2008) has the value set at $590.000 Two local realesate...

Northcote I just went to an auction in Union st Northcote. A fully attached OSP 4 bedroom( Quite sml rooms) small block. A little out dated as far as the reno is concerned sold for $1.37. I am in shock!! i too live in Northcote and have done for 15 years. For single fronts to get this sort of...

LOw Doc Over 1 mill Hello grossreal, Thanks for the reply, could you please explain what is meant by structures> Do you know where or whom I would talk to regaurding this. Over the last few days things have changed for low doc loans I don't know if this will effect us Thanks for your reply

Hello i am hoping someone can help me. I have 1. A IP LVR90% worth 950,000 debt 846,000 2. IP LVR 80% worth 1.1-1.2 mil debt 880,000 3. PPR LVR 55% worth 1.8-2mill debt 1.1 4. IP LVR60% worth 950-1mill debt 600,00 (loan granted off the balance sheet) All my loans are with rams low doc pro...