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Yep Rolph got it. Got teased quite a bit when unlike my friends they bought cars while I decided to buy a house first. Now gonna go reward myself for my dedication, sacrifice and hard work/learning now that i've got one foot in the door. Gota enjoy life every now and then guys.

LOL Rolph. You just had to go and deflate my balloon :D It's all good though mate, at least I didn't get suckered into 80% at higher IR and out of pocket costs. hhhmmmm, maybe I should use a broker like you next time, although its good for the learning experience to do some personal legwork...

bank was Westpac. No fees or anything. Although I had to talk to a few different home loans managers at different westpac branches to get this offer. Amazing how much difference there is between branches. First manager I saw only allowed upto 80% LVR re-finance, would charge circa $600 for...

With all the talk of Doom and Gloom I thought I might post some rays of sunshine. Just accepted offer yesterday for LOC at 85% LVR IR @ 8.16%. It's nothing much (~24k) but considering i've only had the property just over a year I think its quite good appreciation in these times :D So yep...