El-Rhi » user profile
1
| Member Since | 13/01/2020 |
|---|---|
| Last Seen | Online Now |
| Location | NSW |
Recent Activities
El-Rhi commented on Credit Repair Company to Clean Credit Report?
Exactly, it sounds like they were legitimate enquiries. The OP would have signed something or ticked something online to give consent to a...
El-Rhi commented on Credit Repair Company to Clean Credit Report?
How much are they charging you for this ‘service’?
I’m guessing there is no adviser involved, otherwise they wouldn’t be asking OzBargain
People’s Choice. They have a good presence in SA so that may benefit you too.
Yes, I know one lender that will lend up to 90% without LMI for fire, police and paramedics
El-Rhi commented on Best Deal on 85% Home Loan?
What industry do you and your partner work in? Some lenders waive LMI up to 90% if you’re in an essential service industry or are a...
Is it taking long to refinance? I heard there’s a bit of a delay at the moment
I’ve been with ReAmped for a month now. By far the cheapest electricity retailer in my area and the switch over from AGL was smooth. So...
El-Rhi replied to 
Frozensage on CBA Owner Occupied Home Loan Fixed 2 Years 1.94%, Investor Fixed 3 Years 2.39% + CBA $2,000 Refinance Bank Rebate
Frozensage on CBA Owner Occupied Home Loan Fixed 2 Years 1.94%, Investor Fixed 3 Years 2.39% + CBA $2,000 Refinance Bank RebateYes, expect to pay around $800 per refinance.
El-Rhi commented on Missed One Credit Card Payment
Which credit bureau did you lose the points with? Have you checked the other two bureaus? If it wasn’t with Equifax (Getcreditscore) I...
Could be possible. Do you think variable rates would go up without an increase to funding costs? That’s the only way I see rates going up.
Banks don’t make rate decisions based on what house prices are doing. APRA will likely intervene later this year which will limit the...
El-Rhi replied to snooksy on Borrowing Additional Money on Home Loan to Purchase Bitcoin. Need Advice
snooksy on Borrowing Additional Money on Home Loan to Purchase Bitcoin. Need AdviceSounds like a Ponzi
10 year government bond has no real impact on mortgage pricing. When you start to see less than 5 year bonds move up in rates then this...
El-Rhi commented on $3,000 Cashback When You Refinance Your Home Loan with P&N Bank (Rates from 1.99% p.a.)
Do they lend outside of WA? I know their subsidiary bcu doesn’t lend outside QLD and NSW so wondering if P&N has the same conservative...
Low stock because most potential sellers know they can get 10-15% more by waiting another 12 months.
El-Rhi replied to aedeau on 75,000 Bonus Qantas Points with $2500 Spend/3 Mths on the ANZ Frequent Flyer Platinum ($0 Annual Fee 1st Year) @ Point Hacks
aedeau on 75,000 Bonus Qantas Points with $2500 Spend/3 Mths on the ANZ Frequent Flyer Platinum ($0 Annual Fee 1st Year) @ Point HacksWhy? Doesn’t make any difference as the outcome isn’t shown on the credit file, just whether you took up the credit or not.
Interesting point on DTI. Do you know which banks have what limits, and are these hard limits, or it just means the loan needs to be...
It’s classic how people still think this... variable rates are pretty much as low as they can go... maybe could go down a bit but not as...
I’ve done exactly this... it’s possible to churn every few months and make some decent tax free profit
El-Rhi commented on Refinancing between Banks
Generally for most banks it just goes into your bank account at settlement as surplus cash from the refinance.... after that it’s up to...
El-Rhi commented on Superhero Share Trading, Thoughts?
You don’t invest under your own HIN with Superhero, instead they act as custodian, which is why they can offer the brokerage they do. If...
El-Rhi replied to 4foxache on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate Discretions
4foxache on ANZ Owner Occupied from 2.09% 1 Year Fixed with 100% Offset and $3,000 Cashback + Revert Rate DiscretionsIt’s not gaming the system.... it’s being financially savvy.
El-Rhi commented on St George/Bank of Melbourne Home Loan: Owner Occ 1.89% Fixed 4 Yrs, 1.79% Fixed 2 Yrs 60% LVR (+0.05% 80% LVR) & $4000 Cashback
Who has the highest cashback outside of the Westpac group? Anyone else have $4k?
El-Rhi replied to JHoliday on $100 Cashback When Opening New Everyday Account (with $300 Spend and $250 Salary Deposit) @ Bank First
JHoliday on $100 Cashback When Opening New Everyday Account (with $300 Spend and $250 Salary Deposit) @ Bank FirstLogin to internet banking and you’ll find the account number
El-Rhi replied to CoronaV on ANZ Frequent Flyer Black: 120,000 Bonus Qantas Points + $200 Cash Back ($3000 Spend in First 3 Months) $425 Annual Fee @ ANZ
CoronaV on ANZ Frequent Flyer Black: 120,000 Bonus Qantas Points + $200 Cash Back ($3000 Spend in First 3 Months) $425 Annual Fee @ ANZThey send you unsolicited emails to increase your credit limit on existing cards? This is illegal... I’d be reporting this to ASIC.
El-Rhi replied to ekans on $100 Cashback When Opening New Everyday Account (with $300 Spend and $250 Salary Deposit) @ Bank First
ekans on $100 Cashback When Opening New Everyday Account (with $300 Spend and $250 Salary Deposit) @ Bank FirstJust needs to have the applications done. I called today to confirm.
No credit enquiry is done for AfterPay, so you won’t see it on your credit report.
I work in the banking industry and can say for certain that many financial institutions will use the credit bureau score in their lending...
OpenTrader is $5 for brokerage if the trade is under $5k.