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  1. M

    'Topping up' loan

    Is there any length of time that you need to have had a loan before you can do a top up?
  2. M

    Any idea what kind of value this would add?

    We live on a bush block that is not connected to mains power. Previously the power for the house was a (very unsafe looking) 600w solar system that would mainly only run lights, tv, computer for limited periods of time depending on how much sun there was. Anything else needed a generator (very...
  3. M

    Surely I am not wrong here - maths equation

    4 x 4 + 4 x 4 + 4 - 4 x 4 = ? This one is going around on fb and it says 73% of people get it wrong. The comments seem fairly well divided with maybe a few more leaning towards one particular answer (and a few random answers that make no sense at all!). My dad has a different opinion of the...
  4. M

    Credit enquiries

    I know the previous 6 months is important in regard to how many credit enquiries you may have had, but how important is the previous 12 months? If my last 6 months was ok, but the 6 months prior to that had several, how much would that hinder my chances of an approval? (I know there is...
  5. M

    Inlcuding stamp duty in loan?

    Is this possible? I have been told that you can sometimes include the stamp duty in your loan (total loan amount with stamp duty included would be <80%), but most of the comments I have seen here say that you have to have it upfront. Are there some lenders who will let you borrow it?
  6. M

    Yellow tongue floors

    Is there any way to make a yellow tongue floor look good? Currently have a dining room with disgusting carpet. Eventually wanting to replace flooring in that room plus the adjacent rooms but not in the position to do so at the moment. Thinking of just ripping up the carpet and having the...
  7. M

    Vendor paying stamp duty

    Is it possible to make some kind of arrangement where the vendor pays the stamp duty for the purchaser? Would a lender likely have any problems with the arrangement?
  8. M

    Paying deposit to vendor

    Does the deposit have to be paid through the vendor's solicitors or is it possible to just pay it directly to the vendor?
  9. M

    Does the purchaser have any rights here?

    We have sold our PPOR and settlement is due on Friday this week. The purchaser did their final inspection yesterday and all went well except for two issues. When they did the building inspection they found a couple of broken tiles on the roof (which we knew about). One has a corner cracked...
  10. M

    >70%LVR on rural property?

    Are there any lenders that will lend above 70% LVR on a rural property? We also need them to assess on property value rather than contract price as we are buying the property at a price much lower than the valuation. We are currently doing an application with ANZ and they are able to use the...
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