ShannonIngram user profile
| Member Since | 21/03/2012 |
|---|---|
| Last Seen | 3 hours 7 min |
| Location | Sydney |
Recent Activities
ShannonIngram replied to 
vt on D-Link DIR-865L for $189 ($39 after Cashbacks) + Shipping @ ShoppingExpress
vt on D-Link DIR-865L for $189 ($39 after Cashbacks) + Shipping @ ShoppingExpressTrend Micro Cashback is for retail stores only. Lists: Harvey Norman Domayne Joyce Mayne Dick Smith The Good Guys Jb Hifi Bing Lee Radio...
ShannonIngram replied to 
gagans on Acer Iconia A510 32GB 10.1" Wi-Fi Tegra 3 Tablet $244 @ The Good Guys
gagans on Acer Iconia A510 32GB 10.1" Wi-Fi Tegra 3 Tablet $244 @ The Good GuysYeah it seems the deal is now expired. Link from OzBargain still works and shows as in stock online however it's not listed on their main...
ShannonIngram commented on BundleStar Bundle #7: Indie Jame 2
I bought this but there's a few codes I'm not going to use. First come first served but if you use it can you please post up so no one else...
ShannonIngram commented on NRAS Scheme
I've done quite a few loans for these for my clients. One thing you definitely have to watch out for is the type of NRAS property you buy....
ME Bank has one of the best 3 year fixed rates at 4.99% at the moment. Lot's of banks offering that rate for 2 years but only a couple at 3...
Bargain. I paid ~$1200 a few months ago for this and thought I did well then
ShannonIngram commented on Help on Home Loans
Have you factored in other purchase costs such as stamp duty and conveyancing costs etc (if applicable to you)? The other thing to keep in...
You shouldn't need the property revalued just to fix the loan in (assuming you don't change the loan term, amounts or other critical...
ANZ only allows offset on a 1 year fixed rate.
Most banks will want to get proof to beat others pricing especially if it is significantly different to standard pricing. One of the...
ShannonIngram replied to 
bottletop on Westpac Banking Group - Mortgage - Fixed Rate 4.99% for 2 Years
bottletop on Westpac Banking Group - Mortgage - Fixed Rate 4.99% for 2 YearsThere are fixed rate loans out there with redraw, and also some short term loans (ie 1 year) that do have a 100% offset account against a...
There are banks out there that give this feature for free. If your bank isn't one of them, shop around or talk to a broker. Fixed rates...
The 3 year rate only came in on Wednesday....
That's right. What you need to keep in mind though is that your comparison rate is usually based on a specific example ($150,000 over 25...
ShannonIngram replied to 
delfredo on Westpac Banking Group - Mortgage - Fixed Rate 4.99% for 2 Years
delfredo on Westpac Banking Group - Mortgage - Fixed Rate 4.99% for 2 YearsRight about losing the offset facility in most cases however there is some incorrect advice - you can make extra repayments on most banks...
ShannonIngram replied to 
bargain_finder on Westpac Banking Group - Mortgage - Fixed Rate 4.99% for 2 Years
bargain_finder on Westpac Banking Group - Mortgage - Fixed Rate 4.99% for 2 YearsIt's actually my own white label product funded through Advantedge and branded under my business (Smartline).
All the big banks are offering the 4.99% for 2 years at the moment. All available to new and existing customers. There's also ME Bank...
Nope - once it's fixed unfortunately that is it. You'll be up for penalties to break your existing fixed rate (even if it is just to re-fix...
ShannonIngram replied to 
akula on ANZ FF Credit Card (VISA + AMEX). $0 Annual Fee (1st Year) and 10000 Bonus FFP
akula on ANZ FF Credit Card (VISA + AMEX). $0 Annual Fee (1st Year) and 10000 Bonus FFPThe credit reporting laws have recently been changed so providers will be able to see when an account is closed off but these amended laws...
Your money in the offset account is saving you interest on the home loan just by sitting there so it won't make a difference whether the...
If you plan to rent the property out in the future definitely use offset vs paying the funds off the loan. The financials are the same...
@5h4rk - if you need a hand working out negative gearing implications, the effect on your take home pay etc just drop me an email at...
In your example you would normally claim the interest only (ie $300/wk). In addition to the interest expense there's also the possibility...
Wow so much hate for Wagamama. I've only been once or twice but had a decent time. The only thing I remember being a bit annoying was all...
Some good tips here. This is what I do with my own mortgage (55 days interest free on the credit card with the balance cleared to the...
I think you'll find that with the bulk of lenders at the moment, their fixed rates are going to be lower than their variable rates so your...
Most banks will give their home loan customers a free transaction account for the redraw to be put in to. Also there's almost no question...
Good advice. Lot's of Aussie's got caught out with this in the 80's with Swiss franc mortgages....
ShannonIngram commented on Reducing Home Loan Interest
Lot's of good tips in this thread but some aren't 100% right. I would say 3 main points are worth your consideration: 1. A lot of people...
Firstmac is one of the lenders on my panel. Given my experiences from a lending perspective I'd be careful investing your money there.......
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