Search results

  1. Q

    Blow me down with a feather

    FWIW Dazz your story just gave me one of those sinking feelings, so in order to get to sleep tonight I jumped on and purchased a copy of the title for my IP. Thankfully it's in my name, although I had to Google why some company called Estate fee simple was also listed there ;) If these things...
  2. Q

    Youi insurance

    Thanks, I'll have a look at payasyoudrive.com.au. I've since decided against Youi though, the excess on an unlisted driver is an additional $2K :eek: Cheers
  3. Q

    Youi insurance

    G'day all, Does anyone happen to use Youi for insurance? (http://www.youi.com.au/welcome) I'm sure most would have seen the annoying ads. Actually more specifically if anyone uses them and has made a claim I'd appreciate hearing your comments on them as a whole. I'm looking to use them for...
  4. Q

    My little rant about re.com not letting private landlords advertise

    Not sure if anyone has mentioned this or not, but Google have entered the real estate market so there may be some added pressure on RE, although at this point it seems more like suburbview. http://www.news.com.au/business/story/0,27753,25740077-31037,00.html...
  5. Q

    Interest Only and 100% Off-Set Account

    It's listed on the current rates page, does that help any? http://www.commbank.com.au/personal/apply-online/download-printed-forms/home-loan-update-002842.pdf Cheers
  6. Q

    Pakenham Is it an investment area??

    I bought in Pakenham last year and am pretty happy with it. I purchased close to just about everything in the area like schools, shops, etc, and it became positive quite a few IR drops ago. The bypass certainly makes a difference to travel time too. One thing I took note of, they certainly...
  7. Q

    Have I just been shafted a little bit?

    I suspect this is the CBA, sounds familiar as I did this not so long ago myself and found the same thing. My redraw funds stayed the same and just became redraw for the new loan, actually I don't even think the account number changed to be honest. The only differences were the $300 fee and a...
  8. Q

    Interest Only and 100% Off-Set Account

    Unfortunately only 1.5% on fixed, buggers :mad:
  9. Q

    Trouble contacting CBA today?

    It wasn't just me, apparently they had a major phone problem yesterday and dropped 75% of all callers :eek: Cheers
  10. Q

    Would you go 5yr fixed interest OR variable with offset?

    Personally I fixed 60% yesterday and left the offset attached to the variable portion. Cheers
  11. Q

    Trouble contacting CBA today?

    Given this is just about trying to get the Commonwealth on the phone it is probably off topic for the other forums. Is anyone else having trouble, maybe it just me but every attempt today (~10) has ended with "sorry there's been a technical problem please call back later..." and a...
  12. Q

    Fix Now or Wait ?

    These rate threads have been blowing my mind, do I fix or wait... After much deliberating I decided to fix 60% this morning, so to Rolf for the heads up on CBA rises tomorrow and everyone else who has contributed you get a big one of these :D Cheers
  13. Q

    Fix Now or Wait ?

    Is there a general rule of thumb for how much to fix? ie fix 75% and leave 25% variable with an offset? Would the majority do this or just fix the lot? Also this is probably a really silly question, but what happens if the offset account balance is greater than the loan? Effectively no...
  14. Q

    Hot Goss on L/L insurance

    I'm with AAMI and this was one of the specific questions I enquired about before signing up as I couldn't find it documented anywhere. They don't pay the first four weeks anyway so month to month isn't an issue, I was more concerned with damage. fwiw though I've haven't made a claim. Cheers
  15. Q

    Hot Goss on L/L insurance

    Which insurer was it with?
  16. Q

    How much Board do your kids pay?

    Sadly I still live at home :o $200 plus I pay a third of the power/gas/insurance. Cheers
  17. Q

    Get your For Sale sign off my fence!

    Tell the REA you'll rent them the fence space for $$$ :)
  18. Q

    Off the plan contract

    A 3 month maintenance period is the norm for new properties IME, usually they request you just make a long list and then they will come and fix everything in one go rather than doing many trips. Of course you are still covered by the 7yr builders guarantee for major problems, at least in Vic...
  19. Q

    Going from redraw to offset, tax question

    Thanks Rolf, so only if I use it... I'm currently with the CBA and their MISA account doesn't appear flexible enough to use as a transaction account anyway. However thinking about in those terms, I might be better to keep my excess funds as a redraw on a new agreement and then start the...
  20. Q

    Going from redraw to offset, tax question

    Hi all, Yet another redraw/offset/tax question. When I purchased my first IP late last year I decided just to take a basic loan product with redraw, which I have since been paying extra funds into. I would now like to setup an offset account and direct the extra funds there instead. I know...
Back
Top