lordroy » user profile

Sorry, I was not clear in the description. He probably worked for about a day and a half during that four week period at our site.

Might get a lawyer to look into it. Thanks mate

G’day fellow Oz bargainers About six months ago I engaged a landscaper for some minor excavations, removal of concrete debris, leveling…

Hey mate - CRVs are a great car, I bought the same car in June 2019 from Newcastle for $28k, without rego (drove from Newcastle to ACT same…

Thanks OP - unfortunately I couldn’t buy it from A2A in person due to my location - but local JBHIFI store (DFO Canberra) matched the…

@Edobear - this is good info.

@blwnhr mate UBank is great, except that it doesn’t offer an offset account. Free redraw account is great too, except that ATO will treat…

@Mugsy Mortgage House comes with 100% offset account.

Thanks @sweefu. Question - will my broker be disadvantaged if I refinance before one year?

Actually Athena are great, but they don't offer offset facility...

3.58 is bloody good!

Thanks @movieman. Haven't heard of Athena, are they any good?

Thanks Shorty, current mortgage amount is $750k. You are right, rate could rise with Mortgage House. And therefore I'm hoping to get some…

Sorry to hear that mate, have you tried to negotiate it with ANZ?

Thanks mate

That's correct, CBA comes with an offset account. As per the broker, Mortgage House loan comes with 100% offset, redraw and unlimited…

Tried - they are not willing to budge. Mortgage is quite large, so the costs are likely to be offset by the savings. And the broker has…

CBA with wealth package.

Thanks, mate.

What card is it?

G'day Team OzBargain My wife and I are planning to refinance the mortgage for a more competitive rate. Some facts: - Bought our PPOR in…

Thanks onevstheworld. Valid points.

Thanks Euphemistic. That’s correct, although we don’t intend to as per the current plan there will be CGT implications if we decide to…

Is it only available online or can you buy it in store without spending $30 (min spend for store pickup)? Couldn't find it in the weekly…

Thanks Scubacoles. The new place is brand new and has never been lived in. As per the accountant, I can claim a large chunk of capital +…

Thanks HighAndDry - much appreciated.

Thanks RandomNinja, glad you saw the benefit of moving close to work. Reassuring to heat the difference was amazing.

Option 2 will cost us about $400/week and option 1 will be about $600. Current PPOR doesn't have a big mortgage on it (less than 20%…

Thanks mate - that's correct, existing PPOR doesn't have a large mortgage.

Thanks mate, this may not be a great option from the tax point of view as the current PPOR will be +vely geared. We did not realise the…