Kathy H. Hamilton, NSW 4 Likes 0 Followers Q: Our home loan is 50% variable and 50% fixed….. and the fixed term is about to mature. The variable rate is 4.39% and they have offered 2 years at 3.99% and 3 years at 4.09% or make it all variable. Are these the best rate available on a 620k loan? 16 hours ago
Lisa M. Penrith, NSW 1 Likes 0 Followers Q: Hi, I’m a first home buyer and looking to buy a property around $650k. I have $300K in saving and will need to borrow about $400K. I have run my own business for 3 years and wanting to split the loan 50% variable and 50% fixed for 3 years. What are the best rates available? 1 days ago
Jade S. Rockingham, WA 3 Likes 0 Followers Q: My sister, brother and I would like to buy a property together and we have been asked if we want to buy the property as joint tenants or tenants in common. What do people recommend? 2 days ago
Debbie M. Tamworth, NSW 1 Likes 0 Followers Q: We want to buy an investment property in Port Macquarie, Price - $720,000. We own are own home and want advice if we can use the equity to buying the property and cover all the costs. Our home would be around $330,000. Can the property in Port just be in my husband’s name as he works full time - income $85,000, thank you? 2 days ago
Zac M. Panania, NSW 0 Likes 0 Followers Q: Hi, I have a question about my home loan as the interest only period expires in early May. I want to keep it interest only but the bank has said no and it will be principal and interest. There is no problem making the repayments but I would just prefer interest only. Is refinancing my only option?RegardsZac 6 days ago
Isabel G. Lilli Pilli, NSW 2 Likes 0 Followers Q: Our home loan has been fixed for 3 years as we wanted certainty in the repayments and haven’t paid off much off the principal. We want to pay more now but have been offered 3.89% for 3 years. Should we fix again or have a variable rate so we can pay more? last week
Sam H. Kellyville, NSW 5 Likes 0 Followers Q: We are finding it difficult to save as we have 4 kids, paying $800pw rent and lived in the same home for 3 years. I earn $120,000 and my wife $55,000 … is there a way to borrow given we pay so much in rent, thanks? 2 weeks ago
James M. Port Melbourne, VIC 0 Likes 0 Followers Q: Hi there, has anyone had issues transferring a credit card balance to Qantas Premier? I recently got the Qantas AMEX Ultimate card and requested a balance transfer to the Qantas Premier card but apparently Qantas Premier (issued by Citigroup) won’t accept balance transfers. Anyone got any experience with this? Thanks 3 weeks ago
Angie T. Moorabbin, VIC 2 Likes 0 Followers Q: We are keen to buy in the area we currently live, approx $1.2m. Like to know what’s the maximum you can borrow with and without mortgage insurance, thanks? 3 weeks ago
Ian L. Rouse Hill, NSW 1 Likes 0 Followers Q: Home Loan is 590k and our home is around 900k. I called our lender and they dropped our rate from 4.34% to 4.04% this week. Is that enough, could they do better or should I look to refinance? 3 weeks ago
John C. Revesby Heights, NSW 2 Likes 0 Followers Q: We have a small loan, 150k on our home probably value about 900k and an investment loan for 460k and value of property 600k. We spoke to a broker about refinancing and they suggested combining the two loans into one loan over our home and leaving the investment property with no debt. Is that a good idea? last month
Sammy T. Cabarita, NSW 6 Likes 0 Followers Q: I have been wanting to refinance but for whatever reason didn’t get around to doing it – now I started a new job 2 weeks ago …. same profession but new company. Could I still refinance … loan amount $630,000? last month
P M. Fortitude Valley, QLD 2 Likes 0 Followers Q: Is it possible to apply for a commercial loan when investing in a block of 6-8 units (residential tenancy, units registered together as one). I understand there would be a lower LVR in this scenario but just wondering if this is possible.Would a commercial loan take into consideration my own serviceability from my own personal income?Thanks. last month
Rikki W. Caringbah, NSW 2 Likes 0 Followers Q: I have an interest-only loan with Westpac at 4.84% and owe $680,000. If I change to principal and interest what is the best rate I could get without paying an annual fee? last month
Chris T. Edgecliff, NSW 2 Likes 0 Followers Q: Hi, there’s a property in Glebe I’m thinking of buying …….. it is a townhouse with a commercial zoning and a business operating on ground floor…I would live upstairs. My question is what percentage of the purchase price could I borrow? last month
Ben B. Frankston, VIC 3 Likes 0 Followers Q: I have the 15% plus the cost to buy a property, $850,000 – is there a way around having to pay mortgage insurance? last month
Pete A. Zetland, NSW 4 Likes 0 Followers Q: My partner and I are separating but I would like to try and keep the home. The property is valued at $1.3m and we currently owe $290k. We have agreed on a settlement amount of $700,000 and I would like to see if I can increase the loan to $1M. I have stable employment and earn $270k p.a. There are no other debts, no children and I could rent out the spare room for $110pw. Is this possible? last month
Mary J. Elsternwick, VIC 3 Likes 0 Followers Q: We just started to get things in place to sell our unit but we have found a house we would like to make an offer. We don’t have access to funds to exchange on the property straight away so if we apply to increase our home loan from $300,000 to $800,000 could they let us use the funds to exchange? last month
Theo S. Chipping Norton, NSW 1 Likes 1 Followers Q: Can I ask what the best 3-year fixed rate is for the property I live in and can I pay extra into the loan when by bonus comes through? last month
Tim M. Neutral Bay, NSW 1 Likes 0 Followers Q: I’m about to buy an investment property and will have to pay mortgage insurance to get the loan. Is the entire amount tax deductible and when can I claim it? last month
