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Shadow its not just the available LVR that is important, but also the credit procedure, ie how is it to obtain the loan. I met with someone the otherday at CBA who is reasonably high up and he told me that whilst they might be marketing such products, the pool of eligable borrowers is very...

lower your price a bit and make the sale unconditional, ie not subject to finance. If someone signs it wont be your problem. I have never offered a property subject to finance.

7.11%, whats the standard rate less the 'discount' that most people get? (most people seem to get 0.7%), 'standard' variable rate is 7.81%, take off 0.7% and we get 7.11%, wow what a coincident. PS look at the personal lending rates, plenty of fat still in these.

ah not quite i get the whizz bang annual reports of listed property companies:D Lots of juicy information even if its a bit dry.

Dazz you are the one complaining about the credit squirels, not me, i'm getting what i want. In regards to your trust, i dont give a hoot about whether you trust me or not, receiving your trust has no bearing on my financial success or otherwise.

I can only speak from personal experience. For me its been wonderful to have a personal relationship manager. It cuts through all the bureaucracy of banking institutions. Now maybe the relationship is facilitated by the fact that i never try to push things to the edge. Maybe its because...

yes and no token funder. For residential, there is a transitioning back towards some form of normalicy. For commercial, its better than the bleak days during the GFC, but the banks want margin expansion with conservative LVR's. ( the residential investor still has it 'good'. try...

in regards to this point specifically, the 'credit squirrels' as you refer to them are all over commercial property (again read the annual reports, read the institutional banking reports (yes i get them)). credit squirrels might have the final say over commercial property, but if your assets...

I honestly dont know havent been here before, so lets just see. But you forget one thing, it depends on the type of assets you are talking about. Right now, commercial property is a 'no go' area, but there are other investment type assets. I also have contacts in the private banking...

i would qualify this by adding, residential contruction with a view to buy and hold, thumbs down.

Dazz i think this is because of your heavy exposure to commercial property. I am finding things pretty much 'normal'. I have just been invited to join a 'big 4' private banking section (whatever this means). They are comming to me, not the reverse. They want my business, revaluation of...

Here is a potential idea, i dont know whether it would work or not. Most banks have 'packages' which give upwards of 0.7% off the the 'going rate'. These packages used to actually have some value when they were scarce (i remember in the late 90's you had to be a qualified accountant with CBA...