| |
|
25/07/2008 |
Dividing question
|
|
My husband and I have a property in the Blue Mountains, NSW, worth $400,000, We owe $145,000 on it and have $81,000 available in redraw. We'd like to keep the property as an investment and buy a property in Sydney in which to live.
|
|
|
25/07/2008 |
Stamp duty confusion
|
|
I'm considering switching lenders for my principal residence. The mortgage amount and names will remain the same. I’d like to know what stamp duty fees will be charged. The broker I was originally dealing with told me to expect to pay anywhere between $5 and $1,500. The Office of State Revenue (OSR) said I'd be liable for $1500. However, a lawyer then advised I'd have to pay $1,500 "but could claim it back" later on a refund basis from the OSR.
|
|
|
25/07/2008 |
Empty pockets
|
|
As a Baby Boomer who took on a mortgage in 2003, and then increased it to purchase a vehicle in 2006, I find myself at 56 with no funds with which to maintain my property, I have a few thousand dollars in my redraw facility, but it costs $30 per redraw to access. Should I switch to an interest-only loan and change to a line of credit?
|
|
|
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?
|
|
|
|
|
|
|
|
|
|
|
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
|
|
|
|
|
|
|
|
|
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
|
|
|
|