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Mate, you are a legend! Short and sweet summary... This is exactly what I was suspecting.... just getting reasonable renew rate from CBA is probably a good option.... PS My CBA lender from 3 years ago is now a branch manager - good for him! I've called bank and they told me a new loan...

They're now redirecting to Bendigo Bank http://www.bendigobank.com.au/public/personal/home_loans/home_loans_dbdetail.asp?ID=2 7.8% plus monthly fee... thanks but no thanks... Where is PDS for Adelaide made loans?

Cool, thanks mate! They can't make it any more confusing, can they?

Do I get it right this is ABL: http://www.ablehomeloans.net.au/page/products.html Looks a bit scary, very basic website - like a garage lender... no PDS, no rates, no fees - just contact us for all information... Are they safe? Perhaps you are talking about Adelaide Bank?

Hi Brett, I understand the following: 1. Offset allows me to keep the initial dept, so I can rent the place and claim neg gearing. 2. Offset is more conviniet so I don't need to move funds between accounts all the time. I am with CBA now and their "MISA account" sucks big time, they call...

Hi Rolf, I most likely will still be living there in 5 years. In the same time I want to keep the door open for renting it out. This makes interest only and offset account a preference... In the same time I don't want to overpay for this feature. I've tried to rent out my PPOR 3 years ago...

Again, here we go: https://www.amp.com.au/wps/portal/au/AMPAUProduct3C?vigurl=%2Fvgn-ext-templating%2Fv%2Findex.jsp%3Fvgnextoid%3Db088272277a02210VgnVCM10000083d20d0aRCRD Click on "Rates and fees" tab, next go to "Fees and charges guide" (pdf document) Redraw Fee $50 Payable each time we refund...

Well, I've just checked ING website... http://www.ingdirect.com.au/home_loans/home_loan_products/variable_rate_loans/mortgage_simplifier.htm *A once only SmartPack fee of $699 applies. For a limited time, ING DIRECT will offer a bonus SmartPack interest rate discount of 0.10% p.a. and...

Hi, My fixed term PPOR loan is finishing, I have an opportunity to switch loans now... Loan amont is about 350.000 I checked Infochoice for basic variable rate loans with redraw facility http://news.infochoice.com.au/home-loans/basic-variable-home-loans.aspx# What I noticed is all...

I only saw one proper beach on the West, it's Williamstown. Do I miss something? For example, does Altona actually classifies as a beach??? With all the smelly seaweeds, jellyfish and shalow water? Does anyone actually swims there?

Hmmm, the house isn't that great but they have a private tennis court... Should this happens on quiet street next to the beach(as advertised!) , 795k will be a good price. Unfortunately this one is at the wrong side of the freeway. "just moments to the beach???" BS! Good luck with getting that...

You don't need to convince me. I never argued there is a big difference :) And yes, you will rarely see me around the pier in summer. Safeway is better if you want an easy parking and don't want to cross the road without the traffic lights. Otherwise plenty of really quet spots...

Well, it's easy to find a good private school! Trick is to find a good public one. Parkdale primary results are no better to say Kanannook school in Seaford, in fact they are worse. What worries me is the results in writing and spelling...

Well, if you think Patterson Lakes is filled with bogans or Claude st belongs to beachside Seaford - that's OK but I beg to differ :) Hey, IMO even local schools are mostly not "bad" - they are just remarkable average, apart from a few bad ones. Trouble is to find a good school. Are you...

I have not seen any! Look, you can come across a derelict house with front fence falling apart. But no signs of "real trash"

:) Nope, they're not. Not in beachside Seaford, in any case. Check rental prices, there is more than 20 bucks difference. Humble plumbers and sparkies vs professional dole bludgers in Pines. You can see the difference in Frankston as well. Just count the office plankton getting off the...

Mate, You are reading my mind!!! Agree with every word! Now, I’m going to play devils advocate and explain why Seaford is “not there yet”…. I live in Seaford for 2.5 years, moved from Greensborough. I see 2 issues with Seaford: People and Schools. People: Go around the pier area in...

Hi, I know "semi" or semi-detachable are quite popular in Sydney. Just thinking, if I have a large house: 5br + study + 2 living areas, on 750m of land, is it feasible to subdivide it on 2 units? The house already has 2 bathrooms, and adding the second kitchen in the second living area...

Hi, I've got split loan paperwork from CBA, for my PPOR. For variable part, I have 0.85% margin below standard. For fixed part, it's 0.45% below. Hovewer, "When security property is leased" - margin became zero for both parts.... Called my bankier and asked why the bank will slap me if...

Well, I have 3 different agencies to come around. The estimation was consistent. A 3br house on my street been sold for 416K. It has 2 living areas and a double garage, which I don't. They also has a flat roof, I would never buy for that reason but perhaps it doesn't matter for other buyers...