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Hello Guys, Here is our story ... we did settlement in Q1 2014 and got loan from AMP (450k for 3 Year Fixed Rate Loan - P&I and 180k in variable rate) Now, looking at the loan documents (Pre-approval letter and all docs from FMS which we received) I noticed the interest rate was changed a lot...

Hello Guys, Please recommendations us Bathroom (full) Renovator in Sydney (north-western Suburbs). Thanks

yep, this has caused last min runs for us :( What do you think guys - Is it Solicitor or Mortgage Broker or FMS or Bank?

Hello Guys, Settlement for our purchased property is today and my solicitor rings me in morning says FMS requested letter regarding authority to deduct shortfall for this matter. FMS says if the borrower wishes for us to deduct additional funds from an offset a/c for settlement they will need...

Guys, really need recommendations for a Carpenter in Sydney - not good experience with Carpenter on gumtree and other time where we had no show situation from him.

Hi guys...any recommendations for a Carpenter and a pest control person in Sydney? Looks like most of the recommended tradies in this forum are no longer in business?

Hello Guys, We have bought the house in Baulkham Hills (2153) and moving in in a week. There are few things we want to reno / repairs (as priority items) 1> Add extra toilet ( current there is only one) 2> Per the building inspector - The shower recess and surrounding areas were tested...

Thanks fullylucky :) But with truck load of furniture and other items in home I think this may not be good option :( Primarily I'm trying to understand if such postpone issues are common esp when we already had 84days long contract :( Its bit shock to get this last min surprise :(

Hello Guys, We are really bad situation here where we received email from our solicitor saying that the Vendor's solicitors have informed them that the settlement has been postponed by a week due to unforeseen circumstances. Settlement was supposed to be on 7 Feb now moved to 14 Feb :( Our...

Interesting their Online rep and her supervisor gave diff info :( (AMP Online Rep): Thank you for your patience, I have spoken with my supervisor. She has advised you will only need one form, just tick Option A for variable and Option B for fixed. And just make a note on the form.

Thanks Guys. You are very helpful :) I just spoke to their associate @ 1300 157 820 She said same thing - Use a separate form for each loan account and simply tick option (A) box for BOTH loan accounts. They will automatically deduct amount from LINKED offset account.

Hello Guys, We are having Product Name: Professional Pack Loan Split in 2 chunks : fixed of $450k for 3yrs and variable of $180k). Also have offset account with AMP. We received docs from FMS which includes "Loan payment options form"...

Thanks Guys, So basically contract paper does not contain that info,right?

Hello Guys, How to find exact age of property OR year of build? Is it on contract paper? Under which section or part do we see it? Anna

Thanks Guys. Re " Did you get to sign one of these? " -- Yes we got it, but we haven't signed (returned it to bank) it yet because we want to make sure the Bank removes these fees from our loan papers :) 1> Just Wondering in such cases - Will Bank (AMP) send us new set of docs which will...

Thanks heaps for confirmation guys :) One more thing to ask - I see that "Mortgage Stamp Duty - NSW" of $2465 is mentioned in my loan doc. However my broker says it is waived (we don't need to pay it)? Can you please also confirm if this is correct? If AMP accepts their mistakes and...

Thanks guys, here are more info : - We are having Product Name: Professional Pack Two accounts (fixed of $450k for 3yrs and variable of $180k) - On Loan docs we see both : Professional Pack Annual Fee : $349 Establishment Fees : $350 (sorry I mentioned this...

Hi Guys, At beginning we were told by broker that AMP will not charge (waived) is Establishment Fees of $349 but now when we received loan documents we can see Establishment Fees is present and broker checked with AMP and broker told us that AMP said if your loan is above 90% then they will...

This is SOLD for $638,000, seriously? :D

Hi Guys, Just trying to get your help in understanding what things we can do while we are waiting for settlement time (was 12 wks settlement) now 11 wks remaining. One thing we can think of is to get home insurance and start it from day1 after settlement ? What else we can do in this...