Vic Wasteland Thread

[ARTZ]

My cars so ADM it's even on my numberplates

But I bet being turbro would still be allowed in their 'fancy' JDM tyte yo club.

Haha cool, was that by order or did you fluke them?

[joeyjoejoejuniorshabadoo]

custom

[Rekin]

With higher risk and likely worse rates.

No one (virtually) is going to lend at 95% without LMI which at $400k will slug you an extra $8-10k

As an investment property that you may want to sell at any time depending on the market it is unwise to gear it so highly. For an owner/occupier it's more logical as you intend to live there for a while.

Higher LVI mean higher interest repayment which as an investment property means larger negative gearing.

For high income earners better to negative gear for that tax refund.

[Leroy Peterson]

not custom. fluke.

[blah_blah]

Bit skeptical about going with small banks that could go under etc...

but that's a fair bit lower than my 4.95%

Getting 4.55% with Westpac

NAB have offered 4.45% but cbf moving for that

[gtr jet]

Is there many fees involved in moving?

[UNR33L]

I'm with MEbank, got some good rates..

First months repayment came out few weeks back, dem feels

[alr33x]

The housing market is where Al and I swap. Here he's all "spend spend spend, don't worry about the future" and I'm 100% conservative.

Lol

couldn't be further from the truth - I do it for a living (& well shameless free plug). However if you ever spoke to me about it my opinions would surprise you

I'm about the most financially conservative person you'll find hence why I'll pay my house off in 5 years max Id say & until I own mine 100% I won't be buying anything else for speculative purposes chances are I won't invest in property at all but maybe I know to much.

[alr33x]

We don't lend without a full val. Contract price could be anything.

Yeah I know but if I buy something for $700k it's not gonna get valued at $750k.

[blah_blah]

Is there many fees involved in moving?

Just a couple of hundred

And normally the other bank will rebate it for you

If anyone wants to move to NAB, i have a contact person that originally gave me the 4.45% rate

[Birds]

inb4 it's Hamish

[joeyjoejoejuniorshabadoo]

Yeah I know but if I buy something for $700k it's not gonna get valued at $750k.

could be... happens more than you'd think, in the other direction too...

[L33SH]

I'm with MEbank, got some good rates..

First months repayment came out few weeks back, dem feels

You've got years until you even see the loan go down, took me 3. Edited March 19, 2015 by L33SH

[Birds]

Wouldn't be the first instance of a teacher going down on her principal

[dezz]

4.45% mother f**kin cba are raping me with this 4.95% horseshit

[dezz]

Is yours variable Toby?

[Rekin]

4.45% mother f**kin cba are raping me with this 4.95% horseshit

My investment property has 4.95% with CBA.

However i'll be refinancing & packaging with my next purchase at 4.35%

$.

[dezz]

Everything of mine is with cba, credit cards 2 savings accounts, home insurance, loan protection etc etc so if these mother f**kers don't wanna play ball I'll cancel everything

[Rekin]

Everything of mine is with cba, credit cards 2 savings accounts, home insurance, loan protection etc etc so if these mother f**kers don't wanna play ball I'll cancel everything

same here; look into

https://www.commbank.com.au/personal/home-loans/wealth-package.html

https://www.commbank.com.au/content/dam/commbank/personal/home-loans/fact-sheets/Wealth_Package.pdf

edit: there you go, package it all up;

10% off home insurance, 5% off loan insurance, 0.6% off interest rate, No CC fee & request Diamond for that $$ status.

[dezz]

Variable? Don't want a cap on repayments... Last time someone told me to look into the wealth package from commonwealth, that was the deal breaker