MadMax0211 » user profile

Just called - they don't offer offset account with the 4.99% and $395 package fee.

Spoke to a broker today - they could only offer higher fixed rates than Tictoc unfortunately.

thanks much

Thanks, any good one to recommend?

thanks. thought might be too late given RBA rate increase today ...

extra payments are going to offset account. Definitely paying off as fast as possible.

yeah, average price in melbourne $1m and 20% down ....

say that they slow down their increase would be a signal ...

yes, offset is the plan.

this, Stamp duty, selling cost and reduced sales price - not likely to have capital gains ...

Do they not know? Can you still negative gear?

Selling now would be losing most equity…

I am tempted- however what happens if we move and need to rent the place? Breakage might cost a lot to switch to investment loan….

Thanks. Yes planning on paying down as much as we can. Fixing would give me peace of mind at same rate for planning. Don’t want to see 8%…

Might have to move within the 3 years. Renting would be issue with PPOR loan fixed?

Hi all, Recent homebuyer with $816k in loan at 80% LVR with TicToc. Currently on 3.59% variable but want to make sure we're not hitting…

Finance but doesn’t qualify without accreditation. Not a doctor or accountant.

Thanks much - 30 year and around 870 Loan so make your point stronger I think. So save around 200 a month going with lower interest rate…

Thanks

Thanks that makes sense

Feel l more likely everything else will become more expensive vs house price fall…:

Thanks. Haven’t looked into FGLDS. St George seems to have 850 limit. Checking Ubank.

Thanks all. Loan size is 867k after deposit and fees without LMI and +16k with LMI. Worked with 2 brokers who were not much help. Found no…

Hi all, Hope you all can help me through my thinking, first time homebuyer. We have enough for 15% down payment plus stamp duty and fees.…

Welcome aboard!