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  1. R

    Changes / tightening on servicing for investors

    1.Does that mean max 1% off svr for ppor. If so that is disgusting 2.The way they treat their own debt seems similar to 7.25minus svr discount, which would mean 6.25%p+i. If they load 20% on actuals, that would equate to on a 4.5% loan, 4.5+20%=5.4% p+i Assuming little or no ofi debt, wouldnt...
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    Changes / tightening on servicing for investors

    So would that mean actual p+i rate+20% loading for ofi debt Any changes on assessment of cba's own debt Thanks
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    95% + lmi

    Mick, how does liberty treat ofi debt and its own debt Do they add any buffers? thanks
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    Changes / tightening on servicing for investors

    any word on cba new calculators? thanks
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    Anyone thoughts on Morningside or Norman Park

    Thanks ryan With the suburbs surrounding norman park, in postcode 4171 balmoral, hawthorne and bullima, how is the comparable house prices there and r they in hot demand I assume they r blue ribbon with higher long term CG potential Thanks
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    'Medico' package (85%+ LVR with no LMI) for IT workers

    I enquired directly with medfin and u can use your broker as long as they do the accreditation with them. They r part of nab health Experien i think was taken over by boq and that is not available thru a broker. I think its called boq specialist
  7. R

    'Medico' package (85%+ LVR with no LMI) for IT workers

    R medico package loans credit scored harder than normal 80%lvr loans?
  8. R

    Anyone thoughts on Morningside or Norman Park

    thanks ryan what r these properties roughly going for in the 2 suburbs assuming 600sq metres
  9. R

    Anyone thoughts on Morningside or Norman Park

    thanks. i was considering moorooka as a second ip in addition to possibly norman park do u think it has good capital growth potential in % compared to norman park? thanks
  10. R

    Anyone thoughts on Morningside or Norman Park

    Thank u so much for your detailed response I was looking for stand alone house as an ip with good capital growth If it was on a large block with development potential, even better, but i suppose it would depend on the price and yield With Norman Park and Morningside 1. which type of...
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    'Medico' package (85%+ LVR with no LMI) for IT workers

    how does their servicing calculator for own debt and ofi debt compare with cba for medicos atm before the cba change due on 18/6/15 thanks
  12. R

    'Medico' package (85%+ LVR with no LMI) for IT workers

    Is there any medico 90% no lmi out there with decent servicibility calculators Thanks
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    Anyone thoughts on Morningside or Norman Park

    thanks guys seems norman park seems a better ip option from the comments does morning side tend to have bigger blocks of land than norman park? if so, would that b an attraction? thanks
  14. R

    Anyone thoughts on Morningside or Norman Park

    Thanks daryl As an ip, do u think norman park would b a better investment than Morningside for capital growth. Is there much newer stock to pick from there I am assuming 3bed houses would b the mostpopular renting there ? Thanks
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    Anyone thoughts on Morningside or Norman Park

    Anyones thoughts on an ip in morningside or norman park for a good blue chip with solid constant growth? thanks in advance
  16. R

    Facing a war

    This will be an ongoing theme. With China rise to power, they will claim more land or islands for resources and fishing rights and power. The US won't allow that to go on without a fight. Eventually when China overtakes US there WILL be a war or conflict of some sort, as the US will want to...
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    RAMS Cash Out Policy on IP?

    Is rams still treating ofi debt at actuals? thanks
  18. R

    Changes / tightening on servicing for investors

    so once everyone has maxed out the banks and adelaide bk and firstmac, is there an option of using other non deposit taking financial institutions such as for e.g. 1. liberty financial 2. la tribe financial 3. resi home loans 4. pepper home loans 5. wide bay australia there rates r...
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    Changes / tightening on servicing for investors

    I hope they don't tweak the 7.25 discounted rate either Do u think cba would give a grace period or is it immediate? thanks
  20. R

    Changes / tightening on servicing for investors

    Damn. Any whispers whats on the table
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