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Hey all, Quick question can you get a 95% loan with only a 6 month job and credit history? Big 4? Thanks :)

New social housing development: http://www.housing.nsw.gov.au/NR/rdonlyres/0A3408E8-98A8-4446-8766-9840CDB605ED/0/MediaStatementNorthParramatta.pdf Will this really be a bad thing?

Just wondering if any brokers here know what the partial offset % limit is on Heritage Building Society's fixed rate loans? Does it work the same as a 100% offset on a variable loan? I've read about 'making sure you have a true 100% offset acc set up' whatever that means? Thanks.

LOL :D http://www.youtube.com/watch?v=x4o-TeMHys0

Thought I would post this here rather than the coffee lounge since it is a bit about psychology. What time do you wake up and how successful are you (measured in portfolio size $)? Maybe include whether this is a choice, or if work forces you to or what time you did prior to 'retirement'...

Looking at Kempsey, it seems to have some solid CF+ properties atm. But there's a bypass happening and I'm wondering how this will impact the local market? It's generally a good thing right... :confused: Would it be a risk to buy there before the bypass is complete?

Hey all. First post! Not sure if this is the right place so move if need be. It seems the biggest friend anyone will have as an investor is time. Well I'm glad I found this site because maybe you guys can help me over the next 1-3 years when I plan to buy my first house. I'm 17 now and have...