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Would it be advisable that i reduce my LVR to 80% or use most of the equity for another deposit? i didn't think i've paid any LMI yet. I thought it was just added onto the 'end of the loan'? From what Suncorp was saying, they would value the house first, then if it was worth more and i had...

Wow, i had no idea i had so many replies to this post. It seems i don't get all email notifications when somebody posts.. hence why i haven't replied yet. I'm trying to understand it all a bit better now by looking beyond the rate. Why would i need to pay LMI again if my house has a...

Ok, I'm WANTING to build a portfolio. I'm just trying to figure out how to do it safely. Just not sure on what that strategy is. All I'm doing at the moment is saving every penny and putting it into my offset account as well as potentially pulling out equity. I've had to pay just over 4k...

I'm honestly hoping to build a portfolio. I'm more likely to sit on the properties and wait for capital growth. It would be nice to build a portfolio fast, but I'm more of a cautious person and don't want to get in water too deep. I called up Suncorp and spoke to them about their loan. I got...

Another home loan i found was cua fresh start variable home loan http://www.cua.com.au/personal-banking/home-loans/i-want-to-refinance It seems to have the same sort of features as my ANZ package and the Suncorp package. What are CUA like when getting equity, etc?

So which are the more generous lenders? I only have the one property at the moment, but am looking at getting a second.. Possibly interstate.

What sort of plan do you mean? All I want to do is pay the least amount for my loan including products I want like an offset account

So as I have 88% LVR and needed to pay LMI, would I be best off possibly going to another lender only if I have 80% LVR? ANZ recently did a valuation on my house and it seems I have approx 60k equity. I was recommended by ANZ to use part of the equity to make up THE LVR from 88% to 80%

I still haven't changed my loan and now i've seen this deal.. http://www.suncorpbank.com.au/home-loans/genuine-offer What do you guys think?? Are Suncorp known to have some decent packages and not increase their home loan rates willy nilly when the time comes that interest rates will...

Thanks Jamie. So what is the best way i could negotiate with ANZ? Any tips on what sort of rate i should be looking at if i kept my current breakfree package? Can negotiating be done over the phone or will i have to go into a branch? With my current situation, do you think i should change...

88%.. so i had to pay LMI. Just needed to get into the market.. otherwise i never would have. Am i best off finding another property first so i can have ANZ release the equity, then look at fixing or refinancing? OR What is the best way to negotiate a rate in my current situation? The...

Hi guys, I've had my first investment property for just on 1 year now. I took a split loan out with ANZ with 100% offset account. I had 80% fixed for 1 yr and 20% variable P + I repayments. I did P + I repayments as i had the mindset of 'i should pay it off asap'. Reading through lots of...