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I was talking to a St George MB this week while at soccer training. She's normally booked up a week in advance, but ATM she's only got one appointment this week. She says FHBers & investors have disappeared from the market. The only appointments ATM are debt consolidation (ie paying off CCs...

IIRC, that's not what my loan docs state. They say the loan is for a 30yr term, with a fixed interest period of N years, automatically defaulting to a variable IR at the end of that period. There's nothing about repayment/rollover/reapplying at the end of the fixed interest period. There is a...

I'd agree that we shouldn't divest ourselves of quality assets. I'd agree that risk management is more important that ever. And I'd agree that only the higher quality borrowers will get access to funds for a couple of years (ie no more no-docs). This is where I stop agreeing. The US will face...