Search found 48 matches

by totoro
Fri Feb 13, 2015 1:21 pm
Forum: Home Loan Forum
Topic: Should I get a basic home loan?
Replies: 7
Views: 6328

Re: Should I get a basic home loan?

I see… Thank you for the explanation. Cheers, mate!
by totoro
Fri Feb 13, 2015 11:01 am
Forum: Home Loan Forum
Topic: Should I get a basic home loan?
Replies: 7
Views: 6328

Re: Should I get a basic home loan?

Hi everyone,

I am also unsure about which home loan is suitable for me, and I learned a lot from this thread. Could someone tell me what an offset account is?
by totoro
Wed Dec 10, 2014 6:42 pm
Forum: Home Loan Forum
Topic: What is a professional package home loan?
Replies: 7
Views: 6223

Re: What is a professional package home loan?

I think I’m clear about offset accounts now. I’ll also go through your website. I’ll definitely give you a call if I get confused with something. Anyways, thanks for your help, mate!
by totoro
Wed Dec 10, 2014 10:14 am
Forum: Home Loan Forum
Topic: What is a professional package home loan?
Replies: 7
Views: 6223

Re: What is a professional package home loan?

Hey,

I’m planning to get a professional package home loan and was going through this thread for some information. You mentioned that it may be possible to get a free offset account with a professional package. Can you please explain how such an account works?
by totoro
Wed Nov 12, 2014 1:12 pm
Forum: Home Loan Forum
Topic: What loan option is available for a self-employed borrower?
Replies: 6
Views: 5003

Re: What loan option is available for a self-employed borrow

Hi I have only been running my business for a couple of months. Could I receive a home loan to buy a house worth $500,000?

Please help!
by totoro
Tue Oct 21, 2014 1:34 pm
Forum: Home Loan Forum
Topic: Is a bank bill loan the right option for me?
Replies: 7
Views: 6357

Re: Is a bank bill loan the right option for me?

Thank you for taking the time to answer my queries. I will give you a call soon to discuss the different options available to me.
by totoro
Tue Oct 21, 2014 11:34 am
Forum: Home Loan Forum
Topic: Is a bank bill loan the right option for me?
Replies: 7
Views: 6357

Re: Is a bank bill loan the right option for me?

Hi Otto, thank you for the information. Can I get an idea on the margin that the banks will add to the bank bill swap bid rate?
by totoro
Tue Oct 21, 2014 10:12 am
Forum: Home Loan Forum
Topic: Is a bank bill loan the right option for me?
Replies: 7
Views: 6357

Is a bank bill loan the right option for me?

Hello there! I have been planning on investing in a commercial property worth $4 million. When I approached my bank with the proposition, they said that I would need to get a business loan. But this kind of loan apparently has a much higher interest rate than standard home loans. One of my friend wa...
by totoro
Mon Sep 22, 2014 6:35 pm
Forum: Home Loan Forum
Topic: How much can a Japanese borrow for a house in Australia?
Replies: 7
Views: 5835

Re: How much can a Japanese borrow for a house in Australia?

Thank you for taking the time to respond to my queries. Your answers were really helpful to me. I will call you as soon as I make the necessary preparations after talking to my accountant.
by totoro
Sat Sep 20, 2014 3:19 pm
Forum: Home Loan Forum
Topic: How much can a Japanese borrow for a house in Australia?
Replies: 7
Views: 5835

Re: How much can a Japanese borrow for a house in Australia?

Thank you for the information, Otto. I know about the various features of mortgage in my country, but I am not sure if the mortgage providers in Australia provide the same features on a loan. Could you tell me more about that too?
by totoro
Fri Sep 19, 2014 1:13 pm
Forum: Home Loan Forum
Topic: How much can a Japanese borrow for a house in Australia?
Replies: 7
Views: 5835

How much can a Japanese borrow for a house in Australia?

Hi home loan experts! I am a Japanese and I want to buy a property in Australia. However, I do not know of any regulations and policies that applies to us, or even if foreigners are allowed to buy a property in Australia. One of my friends suggested me to post my query on this forum, and here I am. ...
by totoro
Tue Sep 09, 2014 2:02 pm
Forum: Home Loan Forum
Topic: I got bad credit. Can I get a loan?
Replies: 7
Views: 6282

Re: I got bad credit. Can I get a loan?

Thank you for the reply. I would get in touch with you guys soon.
by totoro
Tue Sep 09, 2014 10:56 am
Forum: Home Loan Forum
Topic: I got bad credit. Can I get a loan?
Replies: 7
Views: 6282

Re: I got bad credit. Can I get a loan?

So does it mean that I am not able to borrow to buy my home?
by totoro
Tue Sep 09, 2014 10:01 am
Forum: Home Loan Forum
Topic: I got bad credit. Can I get a loan?
Replies: 7
Views: 6282

I got bad credit. Can I get a loan?

Hi there, I want to get a home loan. I am an IT consultant, and I have a decent income. But last year, I missed a couple of my credit card repayments as I was out of the country. The missed payments were less than $500, but I heard that it can still damage my credit. I have already cleared the dues ...
by totoro
Wed Jul 16, 2014 2:58 pm
Forum: Home Loan Forum
Topic: Can I include rental income when applying for a home loan?
Replies: 7
Views: 6393

Re: Can I include rental income when applying for a home loa

I didn’t know lenders had such kind of policy on rental income. I want to see if it is possible to find a lender who will be ready to accept my loan application. Let me give you a ring in a couple of days so that we can talk about this.