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Search: Posts Made By: thlo
Showing results 1 to 25 of 37
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Forum: Australia
Jul 23rd 2009, 8:27 pm
Replies: 27
Views: 2,844
Posted By thlo

Sydney Home Loan Advice

CBA changed their rules. The others have so far stayed the same.
Forum: Australia
Jul 23rd 2009, 3:16 am
Replies: 27
Views: 2,844
Posted By thlo

Home Loan Recommendations

This is no longer true.

You need to have a mortgage of over $750,000 to earn a discount of 0.7% with one of the majors.
Forum: Australia
Jul 23rd 2009, 3:06 am
Replies: 14
Views: 1,378
Posted By thlo

Re: Mortgages

You missed on low doc home loans by a few months. Policy changes back in March make it hard for you as you are self employed and without a single tax return, lenders would say no. That's why the 60%...
Forum: Australia
Jul 23rd 2009, 2:54 am
Replies: 27
Views: 2,145
Posted By thlo

Re: Buying/building a house - Brisbane

OK, it took me a few months but found it.;)
Forum: Australia
Jul 23rd 2009, 2:41 am
Replies: 7
Views: 4,409
Posted By thlo

Re: Getting Mortgage with Contract / Temp Job

Yes, success will depend on your personal circumstances and of course your cash position. Smaller deposit will make things more difficult.
Forum: Australia
Jul 23rd 2009, 2:38 am
Replies: 19
Views: 1,743
Posted By thlo

First home buyer advice

This is very good advice.

Lenders Mortgage Insurance premiums vary greatly across lenders and their insurers. LMI needs to be costed upfront based on your proposed deposit.

Deposit Bond is...
Forum: Australia
Jul 23rd 2009, 2:12 am
Replies: 15
Views: 1,581
Posted By thlo

mortgage in Australia

Hi there,

Any home loan approval you obtain before you start your employment in your future new country would be a CONDITIONAL one. Typical conditions on the pre-approval are exit clauses for the...
Forum: Australia
Jan 20th 2009, 4:48 pm
Replies: 27
Views: 2,145
Posted By thlo

Re: Buying/building a house - Brisbane

i'm a he:)
Forum: Australia
Jan 20th 2009, 3:35 pm
Replies: 27
Views: 2,145
Posted By thlo

Re: Buying/building a house - Brisbane

our cross cultural communications are really tested here. Although i don't know what you really mean about "that attitude", i'm sure you have good intentions in saying that.
Forum: Australia
Jan 19th 2009, 8:49 pm
Replies: 27
Views: 2,145
Posted By thlo

Re: Buying/building a house - Brisbane

that's not strine mate!:)
Forum: Australia
Jan 19th 2009, 7:36 pm
Replies: 23
Views: 1,889
Posted By thlo

Re: Leasing cars

300 km's a day? Are you a courier?
Forum: Australia
Jan 19th 2009, 7:33 pm
Replies: 27
Views: 2,145
Posted By thlo

Re: Buying/building a house - Brisbane

The mods here probably can't keep up with the huge number of posts.

There is lots of genuine;) endorsers too "i used such and such and i found them to be the best, here is their phone number and...
Forum: Australia
Jan 19th 2009, 7:24 pm
Replies: 20
Views: 2,471
Posted By thlo

Re: WA property prices in freefall....

We had the same experience in Sydney in 2005, the boom started later in WA. You didn't have to be a genius to know it was destined to happen there (with a time delay) as well.
Forum: Australia
Jan 19th 2009, 7:17 pm
Replies: 42
Views: 4,543
Posted By thlo

getting a mortgage in Australia, loan qualification

Hi Melly, rules regarding low docs have all tightened up last December (they never as relaxed as they were in UK anyway). But full doc home loans are available as long as you are employed and not...
Forum: Australia
Jan 19th 2009, 1:02 am
Replies: 23
Views: 1,889
Posted By thlo

Novated Lease versus consumer car loan

I'm in no way an expert on novated leases (I personally had one years ago) but he said because his employer wanted to force him to take a fully maintained lease where the cost of everything was well...
Forum: Australia
Jan 19th 2009, 12:56 am
Replies: 1
Views: 596
Posted By thlo

To buy or not to buy my first home?

On new builds, you'll find that the developers do want to charge you a premium for the NEW aspect and will not budge on price especially now with the first home buyers receiving the First Home Owners...
Forum: Australia
Jan 19th 2009, 12:49 am
Replies: 42
Views: 4,543
Posted By thlo

How long does it take for home loan approval?

The rate of applications has subsided somewhat for the banks in January. Those applying for a home loan now can look forward to quicker results.
Forum: Australia
Jan 19th 2009, 12:38 am
Replies: 27
Views: 2,145
Posted By thlo

Re: Buying/building a house - Brisbane

That's OK. I don't mean to offend as I know you don't. I will post occasionally to answer questions on topics I know about as I have had many migrant customers who have been in the same boat as the...
Forum: Australia
Jan 19th 2009, 12:27 am
Replies: 20
Views: 2,471
Posted By thlo

Re: WA property prices in freefall....

It was only a matter of time in WA (also read Queensland). When some commentators are commenting in the media about a potential 40% drop in house prices, I think they should only be referring to...
Forum: Australia
Jan 19th 2009, 12:21 am
Replies: 29
Views: 11,771
Posted By thlo

Car Loan on a Section 457 Visa, temporary resident

I would recommend having your car loan pre approved by a finance broker before you start shopping for the car. After all you may want to buy from any dealer (not a specific factory dealer) or even...
Forum: Australia
Jan 18th 2009, 11:59 pm
Replies: 27
Views: 2,844
Posted By thlo

Home Loan Advice for first home buyers

Great tips, it's also a good idea to stay away from internet only mortgage brokers whom you are not able to meet face to face, see their accreditation certificates etc.

On the rates issue, basic...
Forum: Australia
Jan 18th 2009, 11:50 pm
Replies: 20
Views: 2,858
Posted By thlo

Buying your First Home in Australia - making an offer

spottydog, I like your method. A friend of mine used to be real estate agent and he gave me the same tip of using odd amounts to throw off the sales person.

It can work but it can also back fire...
Forum: Australia
Jan 18th 2009, 1:14 pm
Replies: 27
Views: 2,145
Posted By thlo

Re: Buying/building a house - Brisbane

comet, you really are fast to judge.I am flattered that you read everything I posted though.

Fair Go! I have just joined and posted a few times and you are critical already within a few hours. I...
Forum: The Barbie
Jan 18th 2009, 1:10 pm
Replies: 16
Views: 1,207
Posted By thlo

Re: Mortgage adviser in Brisbane..any recommendations

The bank either pays their staff salaries, bonuses, commissions and superannuation, car allowance, telephone allowance, holiday pay; branch rental leases; it and other infrastructure OR they pay the...
Forum: Australia
Jan 18th 2009, 1:07 pm
Replies: 23
Views: 1,889
Posted By thlo

Re: Leasing cars

Hi jayr, that was a figure of speech mate.

My customer obtained his own financial advice (taking into account all those things you mention) from his accountant before making his decision. He is a...
Showing results 1 to 25 of 37
 
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