The issue here is the rebate, because you need it for the funds to complete.
If you have 6 months genuine savings, and service ok, Id be going home loans ltd at 95% plus LMI with their secured visa of up to $20k to cover the costs.
That way you can get the vendor to discount the sale price instead of rebating the stamp duty, and remove that as an issue. It will also allevaite the risk of a short val. IMHO.
The product is through adelaide bendigo, and can be insured through either insurer. The secured visa is at home loan rates, and some with good cashflow use it to reduce LVR and LMI accordingly.
If you have 6 months genuine savings, and service ok, Id be going home loans ltd at 95% plus LMI with their secured visa of up to $20k to cover the costs.
That way you can get the vendor to discount the sale price instead of rebating the stamp duty, and remove that as an issue. It will also allevaite the risk of a short val. IMHO.
The product is through adelaide bendigo, and can be insured through either insurer. The secured visa is at home loan rates, and some with good cashflow use it to reduce LVR and LMI accordingly.