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  'Have your questions answered' is a regular feature forum provided by Your Mortgage and Austral Mortgage Corporation, where you can ask Vicky Edema for her thoughts on any of your home loan queries. You can also search our collection of Q&A by entering a word or phrase in the search below.

If you have any questions you would like answered please send them to www.australmortgage.com.au/askvicky or info@yourmortgage.com.au
 
     
Enter a keyword or words to find a relevant item or pick from the links below.
Found the following results.
 
 27/06/2008 Comparison rates
I’m thinking of taking out a home loan of approximately $300,000 and I want to know how comparison rates are calculated.
 27/06/2008 Portable loans
I would like to know if there is such a thing as transferring loans.
 27/06/2008 Undervalued
When I asked the lender if I could have a second opinion on my valuation they said no. Was I entitled to a second opinion?
 23/05/2008 Offset accounts
I have an investment property and an interest-only investment loan @ 90% loan to value ratio (LVR). An offset account was also created when the loan was created. Am I able to put my own money into the offset account without having any tax implications if I take it back out?
 23/05/2008 Empty pockets
Should I pay interest-only and change to a line of credit?
 23/05/2008 Why bother comparing loans?
Can you help me to understand the point of comparing home loan interest rates?
 24/04/2008 100% offset PLUS fixed rate?
Is there a loan product that combines 100% offset and fixed rate?
 24/04/2008 100% offset PLUS fixed rate - Can you help?
Where can I find this product?
 24/04/2008 100% offset PLUS fixed rate - How much can I save?
How cost effective can this type of loan be?
 31/03/2008 100% offset versus line of credit
I’m unsure as to whether a revolving line of credit loan has anything over the 100% offset, given the same interest-reducing mechanism seems to be a feature of both.
 31/03/2008 Timing issues
What happens if lender charges interest before you deposit income into your loan account?
 31/03/2008 Application blues
Various questions as to relevant considerations in obtaining a home loan
 18/03/2008 Fortnightly vs monthly repayments
How is paying fortnightly going to help me pay off my mortgage sooner?
 18/03/2008 Breaking up is hard to do: Fixed term
Is there any way can get out of the fixed rate now without paying a penalty fee?
 18/03/2008 Basic vs professional packages
Are professional packages better value than basic home loans?
 5/03/2008 Interest-only versus offset/all-in-one
I’m thinking of buying my first investment property. I have only just started working full-time following the completion of my uni degree and have decided to spend about $300,000 . . . My question is, would you recommend an interest-only loan, or an all-in-one loan
 5/03/2008 Keeping it in the family - Basis for calculation of LMI
Will our lenders mortgage insurance (LMI) be calculated on the value of the house (determined by the lender’s valuers) or the purchase price of the property?
 5/03/2008 Put it in the bank?
Our home loan is currently with a bank. My husband sought advice from them and they said it would be better if he put all of his income into the home loan and I do the same.
 15/02/2008 LMI refund
Is it true that if you refinance or you pay out your mortgage within the three years, you’re entitled to a refunded portion of the mortgage insurance paid?
 15/02/2008 Interest-only loans
Can you tell me about interest-only loans and over what period borrowers can simply repay interest, and not the principal amount of a loan?
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Top 5 Standard Variables
Pacific Mortgage Group8.44
Blue Sky Home Loans8.45
Homestar Finance8.55
MECU Limited8.58
Morgan Brooks DIRECT8.58
Basic Variable
Wizard Home Loans8.02
A M O8.03
Blue Sky Home Loans8.40
Morgan Brooks DIRECT8.56
MECU Limited8.58
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