Edobear » user profile
| Member Since | 02/09/2018 |
|---|---|
| Last Seen | 25/02/2024 |
Recent Activities
My advice is to own what you are. Being an introvert is not a bad thing like you are making it out to be. There is nothing wrong with being…
Edobear replied to 
tomleonhart on Broker Made Us Sign Agreement That She Gets $3k if We Change Bank within 3 Years
tomleonhart on Broker Made Us Sign Agreement That She Gets $3k if We Change Bank within 3 YearsThis. If the broker channel was as bad as you say @victorheaven, then why is over 60% of all loans written now through brokers? We write…
Edobear commented on Broker Made Us Sign Agreement That She Gets $3k if We Change Bank within 3 Years
Mortgage Broker here. For loans written after 1st January 2021, a clawback clause is no longer enforceable. See NATIONAL CONSUMER CREDIT…
To rectify this legally you need strata onboard and the building manager or yourself available to police it proactively. Towing does not…
Mortgage broker here. HECS CAN have an impact on how much you can borrow but not always. Some banks will take the amount owing as part as…
Edobear commented on How to Buy a House?
Mortgage Broker here. To answer your questions: Can I buy with a small deposit, of less than 10K? - yes this could be possible depending on…
Edobear commented on Audio-Technica ATH-M50xbt Wireless Bluetooth Headphones $185 C&C or Delivered @ PLE
If anyone wants pickup, I just price matched it at JB if that helps.
Edobear posted a deal Audio-Technica ATH-M50xbt Wireless Bluetooth Headphones $185 C&C or Delivered @ PLE
EOFY sale just started and saw the M50xBT's for cheaper than the PCCG deal with free shipping too. Update: Out of stock for delivery. WA…
Edobear replied to 
ruddj on 4 Years Fixed Investment Home Loan 2.25% P&I (CR 3.71%), 2.40% IO (CR 3.78%) Home Loan with Offset Acct @ TMB
ruddj on 4 Years Fixed Investment Home Loan 2.25% P&I (CR 3.71%), 2.40% IO (CR 3.78%) Home Loan with Offset Acct @ TMBSame as a variable with TMB. They are one of the few lenders which offer the 100% offset with a fixed.
Edobear replied to 
papapanda on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie Bank
papapanda on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie BankHence why most people if they know their rate will be going up when reverting to a variable rate will look to either refix or refinance…
Edobear replied to 
NeverMissABargain on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie Bank
NeverMissABargain on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie BankFor ANZ correct. The other banks I mentioned should allow for the offset on any of their fixed rates.
Edobear replied to haliloo on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie Bank
haliloo on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie BankHas been enabled now. Cheers.
Edobear replied to SonOfATightASS on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie Bank
SonOfATightASS on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie BankThey allow the 'offset' with the fixed rate but you don't get the benefit until the fixed rate reverts to the variable. The wording is…
Edobear replied to ilsan0 on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie Bank
ilsan0 on 2.19% Fixed Home Loan Rate 1-3 Years (70% LVR, OwnOcc) @ Macquarie BankBroker here, assessment rate is 8%.
Edobear posted a deal Corsair Virtuoso RGB Wireless Headset $279.20 (Was $349) in Store Only @ JB Hi-Fi (Part of 20% off Gaming Accessories)
First post so please be kind. Went to JB in DFO Homebush on boxing day and saw 20% off gaming accessories by certain brands. Corsair was…
Edobear replied to suti on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)
suti on What Has Been Your Experience with Mortgage House (Planning to Refinance at a 3.54% Interest Rate, 3.62% Comparison Rate)Broker here, a lender can have an offset account and not be an ADI by having the offset account held at an ADI. Case in point RESIMAC who…
To avoid LMI for a $700k purchase you will need $140k (20% deposit) + $10,490 (stamp duty with First Home Buyers Assistance Scheme) + $2-3k…
Edobear commented on Property Market Advice (Western Sydney)
Also depends how much you would want to purchase for. Maximum would be $600k to avoid LMI but you could potentially go higher with LMI.…
If I read correctly you are a doctor which means you should be able to get a Medico package from the major banks to get 10% no LMI. I have…
Edobear joined OzBargain.
Welcome aboard!