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  1. Lia Hayes

    MORTGAGE BROKER CONTRACT ?Binding

    Heya, Just a quick note on the 'contract' - in most cases when MBs are getting people to sign things, it is just a disclosure beast.. I do know of some brokers, who put in a section of fees for loans that were fully approved and the client pulled out for no reason. You may want to dig...
  2. Lia Hayes

    Off-the-Plan IP Finance

    Hi! the norm with many of our clients buying this type of IP is to get a long term deposit bond, and wait it out. Obviosuly to get the long term bond, you need conditional approval, and in the case of one of the bigger deposit bond groups, for a long term, they require half of the value of...
  3. Lia Hayes

    100% home loan

    Hi Jason, Following what the other guys have said, in most cases, there is a way to get finance if you're willing to put up with higher rates or fees or both etc. On my last property, I had to jump through hoops to no end, because of employment circumstances, sell my house inside of a...
  4. Lia Hayes

    is there a loan out there for me?

    Hi Belu, I tend to have a different view to the boys on this one. I do not advocate in any way shape or form taking out a loan that will put you in financial hardship, if you can't service the loan, you shouldn't be taking it out. However, if you can repay the loan comfortably, I believe...
  5. Lia Hayes

    Looking for a Broker for Business Loan please

    Hi there, I'm in Australia, but I can highly recommend a colleague of mine in NZ.. His name is Michael England, email [email protected] Cheers, Lia
  6. Lia Hayes

    Borrowing against the equity in rural land

    Hey Smilla, Is the house on it yet, or is it vacant land? Lia
  7. Lia Hayes

    A question of servicability ..?

    I have found the Colonial is one of the few lenders with no postcode restrictions. We had plenty of grief financing our property at Andamooka, as it is so outlying. As Rolf said, you should be ok to go again, only problem I've had lately is in two IP's where the values have SHOT up, but I...
  8. Lia Hayes

    Maximum Loan with LMI

    Yes, they are. :)
  9. Lia Hayes

    Maximum Loan with LMI

    Hey Buzz, It is always worth asking the question as to which MI the lender is going through as far as looking at possible exposure limits in the future. Several lenders use two (or three) MI who they can go through, giving you the option of spreading your exposure around, but on the flip...
  10. Lia Hayes

    Is this financing situation possible???

    :) Why yes...yes it is a rarity... and a very smart financial planner!
  11. Lia Hayes

    "Surging House Prices in Adelaide"

    Woohoo! Hi all, New here, so nice to ahem...meet you all. I can't say that I agree with the numbers of houses for sale... we are constantly searching for property in Adelaide and haven't had any issues finding properties for sale in inner and outer suburbs. Having said that, I have found...
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