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Forum: Australia
Jun 5th 2010, 1:15 pm
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

No worries - the joys of forums. Easy to misinterprate.

We'd better leave that debate for another day ;)
Forum: Australia
Jun 5th 2010, 1:02 pm
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

????

I hadn't realised I was responding to you directly with this post.

It's a dreadful market for first home buyers - both in terms of prices and lending policy.
Forum: Australia
Jun 5th 2010, 12:59 pm
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

I did say it was a simple example, that's where the 55 day auto sweep credit card comes in. It's impossible to show exactly on a forum.

Any excess disposable income will shorten the term of the...
Forum: Australia
Jun 5th 2010, 12:52 pm
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

:thumbup::thumbup::thumbup:

I wish there where more. It is true that the average first home buyer focuses on the affordability now and not consider the what if's of the future.

Getting back on...
Forum: Australia
Jun 5th 2010, 12:30 pm
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

I hear wht you are saying. It's obviously not free but there are no repayments. Like I said, interest is debited monthly to your account based on the capital balance over the period.

It's...
Forum: Australia
Jun 5th 2010, 12:28 pm
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

Under control - Yes. Extreme - no.

Financial planning is something everyone should do.
Forum: Australia
Jun 5th 2010, 12:19 pm
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

I've been a member on here for over 5 years. I'm not touting for business - I honestly couldn't care less whether you took my advice or not and with whom if you did. I get enough referrals from my...
Forum: Australia
Jun 5th 2010, 11:54 am
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

1. No. It's similar to an offset but more effective as I explained. An offset still requires a traditional mortgage account.
2. I never said it was revolutionary, which it isn't - I only said it...
Forum: Australia
Jun 5th 2010, 11:30 am
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

A revolving line of credit is similar to the old 'One Account' we had in the UK.

You have 1 account... think of it as an overdraft. This is secured on your house. Income is deposited into this...
Forum: Australia
Jun 5th 2010, 11:20 am
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

Why?

Not that I would take that link as gospel, but where does it give the opinion that they are dodgy in the extreme for 90%+ of people?

It has worked 100% for everyone I have used this with...
Forum: Australia
Jun 5th 2010, 10:00 am
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

I would never ever go on an interest only mortgage unless it was for an investment property. How would that reduce your mortgage?

Do a search on equity managers or revolving line of credit...
Forum: Australia
Jun 5th 2010, 7:09 am
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

Normally I would agree, however, not if you have a mortgage that doesn't have repayments!!

Like I said, it all comes down to having the right products in place. There are products that don't have...
Forum: Australia
Jun 5th 2010, 5:55 am
Replies: 171
Views: 11,983
Posted By longreach

Re: Interest Rates, where will they stop?

In my view, interest rates are only the 4th most important factor in determining the cost of a homeloan.

It unfortunate however that the banks have got most of their customers tied over a barrel...
Forum: Australia
Jun 21st 2009, 1:40 am
Replies: 39
Views: 2,657
Posted By longreach

Re: First time buyers grant

You must live in it for a minimum period of 6 months.
Forum: Australia
May 25th 2009, 6:18 am
Replies: 39
Views: 2,657
Posted By longreach

Re: First time buyers grant

Note that if you move out within the first 12 months, your transfer duty concession will be reassessed proportionate to the amount of time you lived in the home.

This of course is only applicable...
Forum: Australia
Mar 2nd 2009, 8:44 am
Replies: 13
Views: 566
Posted By longreach

Re: Schools/Units for Hearing impaired children

Hi

we have 2 hearing impaired students in our school and recieve support from education queensland to assist us and them. It works well

Tracy
Forum: Australia
Dec 4th 2008, 9:00 am
Replies: 7
Views: 836
Posted By longreach

Re: No nasties sunscreen?

Hi

try the health (food) shops like healthy life, there are some natural ones, a lot less nasties and if you buy a good one they work. I have had major issues with sunscreen allergies but the...
Forum: The Barbie
Nov 13th 2008, 9:39 am
Replies: 8
Views: 1,327
Posted By longreach

Re: toyota prado gxl, Vs Mitsibishi pajero.

Hi

we love our pajero, yes the prado is a toyota but it has a few issues with diffs breaking. depends on what you want it for, pajero has taken us everywhere we have wanted to go and kept us safe...
Forum: Australia
Oct 31st 2008, 11:30 pm
Replies: 10
Views: 1,423
Posted By longreach

Re: Paying Rates on Vacant Land

Hi

ours our worse than that and we took the council up on charging us for water. They can provide the service so therefore they can charge for it! Thank goodness that doesn't apply to everyother...
Forum: Australia
Oct 31st 2008, 11:25 pm
Replies: 15
Views: 23,489
Posted By longreach

re: Sevenseas

Hi

we didn't use them when we shipped as when i rang around, they asked me where we were shipping too, so i tld them Brisbane and the guy then asked me where the nearest big city was - i wasn't...
Forum: The Barbie
Oct 11th 2008, 5:39 am
Replies: 14
Views: 773
Posted By longreach

Re: Motorsport in QLD? calling all petrol heads.........

Hi

don't know who your alegience is with: ford or holden. Anyway we belong to a ford club and have opportunities to do drags, skid pans, cruises, track days and meet v8 supercar drivers. If you...
Forum: The Barbie
Oct 2nd 2008, 12:17 pm
Replies: 2
Views: 435
Posted By longreach

Re: BRAY PARK BRISBANE NORTH

Hi

we rented our first house there, it was fine there are koalas living in gthe big park which i loved. It is pretty quiet. we went to the local pubs which were pretty empty - we have learnt since...
Forum: Australia
Sep 16th 2008, 2:00 am
Replies: 16
Views: 1,735
Posted By longreach

Re: Stamp duty exempt for 1st home buyers,does UK count??

There is a fair bit of confusion surrounding this... even with solicitors.

The main confusion IN QLD is that the wording is slightly different for the First Home Owners Grant and the Stamp Duty...
Forum: Australia
Sep 2nd 2008, 11:29 am
Replies: 16
Views: 1,735
Posted By longreach

Re: Stamp duty exempt for 1st home buyers,does UK count??

Thats not strictly true. In QLD, the actual wording is...

"For the first home concession, you must never have held an interest in other residential land in Queensland or elsewhere"
Forum: Australia
Aug 25th 2008, 10:54 pm
Replies: 12
Views: 2,178
Posted By longreach

Re: Can 457 or 175 visa holder purchase property in OZ??

Temp visa requires FIRB approval. More here. http://www.firb.gov.au/content/real_estate/residential.asp

Also no First Home Owners Grant for temp visa holders.
Showing results 1 to 25 of 493
 


 
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