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1.Does that mean max 1% off svr for ppor. If so that is disgusting 2.The way they treat their own debt seems similar to 7.25minus svr discount, which would mean 6.25%p+i. If they load 20% on actuals, that would equate to on a 4.5% loan, 4.5+20%=5.4% p+i Assuming little or no ofi debt, wouldnt...

So would that mean actual p+i rate+20% loading for ofi debt Any changes on assessment of cba's own debt Thanks

any word on cba new calculators? thanks

so once everyone has maxed out the banks and adelaide bk and firstmac, is there an option of using other non deposit taking financial institutions such as for e.g. 1. liberty financial 2. la tribe financial 3. resi home loans 4. pepper home loans 5. wide bay australia there rates r...

I hope they don't tweak the 7.25 discounted rate either Do u think cba would give a grace period or is it immediate? thanks

Damn. Any whispers whats on the table

thanks brady 1.r cba offering anymore than 1.25 off svr for ppor for large loans with cash out for e.g2.5mill loan b/c if they were then the assessment rate falls below 6% and becomes even more attractive relative to other majors 2. does cba allow more than 1 valuation per yr if the customer...

Hi brady. "less discount entitled to at this stage" what is that referring to is the discount off svr you get on ur loan, so that if i was given 1% off svr, then the assessment rate is 6.25% thanks

thanks euro. Esp for all your detailed previous responses in the past to my questions I will need to use firstmac and adelaide very soon I just wanted to refinance ppor and possibly 1 ip with cash out next mth, if i still can service it, b4 going down that journey amp, nab and macquarie were...

thanks Jess hope cba don't mention any funny stuff in the next few mths?

thanks corey and jess with the big 4, would cba now be the most generous on their servicibitlty calculators followed by anz haven't heard much from cba or anz? i know west pac removed negative gearing and nab has started to use buffers on ofi debt For a ppor loan +cash out, is there one of...

with all these tightening measures, out of the big 4 and other smaller banks, are they all the same or r there some more generous in the servicing calculators thanks

Why p+i at 25yrs and not 30yrs? Is there any reason left to use nab rather than the other majors as their service is crap? I/o period terrible also?

Hi jamie. I heard on 2gb radio because they r not a deposit based lender they r not apra bound Hence they dont need to change I suppose they may do it themselves rather than apra later if all the investors use them now as there will b a flood of new ip loans.

Thanks Shahin Just a few queries 1. do u know when nab will roll out its changes 2. there seems to be little benefit for existing nab customers to change from nab to the other majors earlier in the ip acquiring phase to keep nab up our sleeve later as they would have changed the way the treat...

would that mean we could be better off to use nab as as a lender before before west pac and cba now? In other words the order being totally reversed?

If nab were to do this, is there any benefit of refinancing out of them now to use them later?

alan jones on 2gb a few days said that firstmac r writing record no of loans atm. he also mentioned that they r not bound by apra regulations as the banks are I'm thinking a lot more investors could use these type of lenders to get around apra hurdles?? euro 73 posted some brilliant posts...

thanks for all ur time and advices on all these posts euro

Thanks again euro. And especially for explaining in great detail 1) With firstmac, if u have a large ppor debt, does the 2mill max include that as well or is ppor seperate. If its together then if i have a large ppor debt, there wouldnt b much left for nras properties? 2)with mortgage...