MrBigglesworth » user profile

1
Member Since 10/01/2016
Last Seen 17/08/2020
Location Melbourne

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MrBigglesworth was awarded a badge.
08/10/2019 - 08:51
Assuming that you have an owner occupied loan, I'm not entirely sure if the offset for the investment is worth it or even necessary. After...
03/10/2019 - 23:11
A conveyancing fee is a fee you pay for your solicitor top get through settlement of a purchase. It's not required when you are...
03/10/2019 - 16:29
It is a convenience thing then. The interest that you have does not incur a tax, but if you happen to a better money making instrument, say...
03/10/2019 - 16:23
It is never optional. However, the type differs. Depending on the loan value ratio(LVR), these are the types in increasing length/hassle:...
03/10/2019 - 16:07
It does, but I think I've covered that under the $115 fee that I've mentioned. Here, follow this link:...
03/10/2019 - 15:41
You're not wrong, but the explanation that I've received for the discharge fee is that lenders use external lawyers to do the paperwork for...
03/10/2019 - 01:52
No, and they are unlikely to since they have to 1) please shareholders 2) even out the running costs of having a physical presence. For a...
02/10/2019 - 23:59
A typical refinance takes between 4-6 weeks. Process as follows: 1) Application, which includes document collection to start the process....
02/10/2019 - 23:52
A bit late in the cycle for the PS4, might be worthwhile holding off and waiting for PS5 and also the remaster the of the game, just like...
27/09/2019 - 12:36
For a big 4 that's probably as good as it gets :)
11/09/2019 - 20:20
There are quite a few of them around. It all depends on what you want. PM me if you require help.
11/09/2019 - 20:12
Just be wary of using the home loan account for everyday expenses. When you are refinancing the next time round, it basically gives the new...
11/09/2019 - 20:09
Then it might be worthwhile comparing them to Macquarie or ING.
11/09/2019 - 20:03
It's too much effort for too little gain. Switching costs are around $1000(discharge fees + titling fees + fees with new lender). Unless...
11/09/2019 - 11:47
Think someone mentioned in the thread that St George/Bank of Melbourne/Bank SA have the same offer for 1-5 year fixed loan terms. More...
11/09/2019 - 11:39
Depends on the lender, and who you bring to the table as a comparison. If it's a big 4, asking them to compare your current rate against a...
11/09/2019 - 11:32
Assuming <=90% LVR, 3.49% for principal and interest and 3.59% for interest only.
11/09/2019 - 02:32
You're right, but if you want to look into that option Adelaide bank can serve you well. It's a niche product of theirs, their fixed offset.
11/09/2019 - 02:24
Largely depends on loan size and LVR. Under 80% ING or Macquarie is a good bet. You want dirt cheap variable you can look at Bank of China,...
11/09/2019 - 02:21
Nah, for variable I managed to get 3.32% for a client at a big 4. However, the loan was in excess of 1M and below 80% LVR.
11/09/2019 - 02:14
Yeah, second this. Once you factor in the price for tailoring to a fit, the price is hard to beat.
01/01/2018 - 02:06
What Ozshaz said. Also, 2 points come to mind. 1) Trust and branding. In a very simplistic approach, why would someone drive a Merc when a...
14/05/2016 - 15:03
Age: Mid 30s Current title: Mortgage Broker Industry: Finance Location: Melbourne
12/05/2016 - 03:08
If you want something that fits and aren't in a hurry, give institchu a try? https://www.institchu.com Fully tailored shirts start from...
17/01/2016 - 02:36
Hi myfuturej, A lot of valid points in the replies so far. As a mortgage broker, what I have to add is; 1) The credit score is an...
10/01/2016 - 12:31
MrBigglesworth joined OzBargain.
Welcome aboard!
10/01/2016 - 11:43