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Hi Alex, There are a small minority who don't really want the service at all, just want to sit and pay their homeloan as normal, and that's fine, I guess. In my own opinion (for any type of service) if I could have it with or without at no cost, I'd choose with, every time. I met with one...

No ongoing fees for anything! I have bank shares for that reason also. Australian banking industry is the only industry of any kind in any country that has continued to register a new record amount of profit every quarter for a consecutive 33 quarters. However, why should banks'...

Hi again Alex, Criteria is a little bit tough, understandbly because of the extra risk taken. Generally 2 years stable employment history, squeaky clean credit history (we often work with people to clean it, at no cost), and appropiate servicable income would do the trick. Can be used for...

Hi Alex, Thanks for your comments. Depends where he buys I guess, not all markets are flat currently... Definitely agree on investors (anyone infact) adopting a savings habit. It isn't easy credit, has criteria as mentioned. Lack of discipline won't happen when there is a coach on...

Hi there, This is a copy/paste of my response to another person on the forum, but I figured that the same applied to you: Instead of messing around with all that stuff, why not get a 105% loan? (no additional security required). If it's for a first PPOR you'd also qual for the FHOG so...