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Hey all, My partner is about to go and purchase an OTP First Home. It is due for completion late next year/early 2016. She plans on taking advantage of the FHOG and stamp duty concessions. She was also planning on purchasing an investment property or two while her OTP firsth home...

Hi all, I got a question on an OTP purchase my mate is going through. He's already exchanged (months ago), but still won't settle for a while. Since excahnge, he's changed jobs and has been causually employed for 3 months. There was no gap betwen him starting this job (basically the same...

Hi everyone, I'm looking at an off the plan IP purchase. Have spoken to the vendor and i might not be able to get a conditional on finance clause into the contract. I'm curious on how the valuation process works - I've heard there are only a few companies that do it, regardless of which...

Hi all, I've been going through this interesting speech by Luci Ellis of the RBA (I know its a bit old!) http://www.rba.gov.au/speeches/2012/sp-so-111012.html I'd be curious to hear people's thoughts on the future directions of macroprudential policy. For those of us pursuing a debt...

Does anyone know whether its possible to do 95%+ for loan refinances/top up? I want to take out as much as possible to pay for a new purchase with debt rather than using my cash. Thanks