Q & A

Saving enough for a deposit Saving enough for a deposit

My partner and I have been saving for our first home for a few months now. We want to buy a house around the $400,000 mark and we are hoping to save at least 15% of the purchase price for the deposit.

Lender's Mortgage Insurance

Lender's Mortgage Insurance With my first home, I only saved 10% for the deposit and had a fairly large fee for Lenders mortgage insurance from my lender. Is there any way to avoid lenders mortgage insurance for my next home pur ... Read more

Property price growth

Property price growth At the moment, we are saving to purchase a property, but it seems like property prices are only continuing to increase. Is this going to continue for the next few years or will we see some relief? How ... Read more

Shopping online

Shopping online I do the majority of my shopping online. But is there a way to be more savvy and save on shipping or other fees? ... Read more

  • LMI Refunds

    When I enquired about buying a property and getting a home loan six months ago I could borrow up to 95% of the value of a property (LVR), now I can only borrow up to 90% LVR - why ... Read more

  • Line of credit

    I am looking to refinance with one of the big four banks at the moment. The application process is taking very long - why the delays? Read more

  • Home-loan specialist Lisa Montgomery answers your questions...

    Lisa Montgomery has over 25 years' experience in home lending and is here to answer all your questions in this monthly forum. Read more

  • Home-loan specialist Lisa Montgomery Q&A

    Lisa Montgomery has over 25 years' experience in home lending and is here to answer all your questions in this monthly forum. Read more

  • Fixed rates

    We have a three-year fixed rate mortgage with just over one year to go. We would like to sell our property and buy a larger and more expensive one. Read more

  • Citi in question

    I was wondering what the relationship between Citibank here in Australia (who we have our mortgage with) and the global Citigroup. What impact, if any, are the troubles in America ... Read more

  • Break costs

    I've taken a $500,000 fixed loan for three years at 8.50%. I want to get out of it but still have another two years before the fixed term ends. Can I get out of this loan without i ... Read more

  • Refinancing

    We brought our first home two years ago and now want to purcahse a larger home and turn our current home into an investment property. How do we do this so the maximum amount is bor ... Read more

  • First homebuyer

    My wife and I have a net income of $5,500 a month and we are interested in buying a property in regional Victoria but, after our loan, we are short $24,500. Can you suggest a way t ... Read more

  • Fixed Rates Question: I have a $350,000 fixed loan

    I have a $350,000 fixed loan for another three years at 8.29%. Is there a way to get out of this fixed interest-only loan without paying the huge payout fee? Read more

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  • Purpose of mortgage
  • Household Income
  • How much do you want to borrow?
  • How much deposit do you have?
  • How much is your house worth?
  • How much do you still owe on your mortgage?
  • What type of mortgage do you have?

  • How much is your new home?
  • How much do you want to borrow?
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