Search found 60 matches

by alexjong
Wed Feb 04, 2015 12:21 pm
Forum: Home Loan Forum
Topic: What are all the costs of a home loan?
Replies: 7
Views: 6948

Re: What are all the costs of a home loan?

Thank you for pointing that out to me, Otto. Cheers!
by alexjong
Wed Feb 04, 2015 11:01 am
Forum: Home Loan Forum
Topic: What are all the costs of a home loan?
Replies: 7
Views: 6948

Re: What are all the costs of a home loan?

Hi there!

I am buying my first house so I think I may be eligible for FHOG. Can someone tell me if there are some criteria in order for me to receive the grant?
by alexjong
Mon Jan 19, 2015 3:45 pm
Forum: Home Loan Forum
Topic: Can I get a home loan if I run my own business?
Replies: 7
Views: 6041

Re: Can I get a home loan if I run my own business?

Hi Otto,

Thank you for your time and your response. I will contact you later if I need an answer to any other questions.

Thanks,
alexjong
by alexjong
Mon Jan 19, 2015 1:12 pm
Forum: Home Loan Forum
Topic: Can I get a home loan if I run my own business?
Replies: 7
Views: 6041

Re: Can I get a home loan if I run my own business?

Hi!

I too own my own business. Although the business is good, it has only been eight months since I started it. So I don’t have any tax returns filed yet. I want to take out a loan for a house, but I am not sure how I can prove my income. Can someone give me some guidance?
by alexjong
Wed Oct 29, 2014 10:13 pm
Forum: Home Loan Forum
Topic: What privileges do doctors get on home loans?
Replies: 7
Views: 6816

Re: What privileges do doctors get on home loans?

Thanks for the information! It looks like I can get a good deal on my loan. I’ll be looking to start the loan application right away. I’ll definitely contact you if I face any problem.
by alexjong
Wed Oct 29, 2014 11:41 am
Forum: Home Loan Forum
Topic: What privileges do doctors get on home loans?
Replies: 7
Views: 6816

Re: What privileges do doctors get on home loans?

Hi there, Otto. Thanks for replying. It is good to know that I can have the LMI waived with certain lenders. I also found that I can also get finance for medical equipment. What equipment can I finance and how?
by alexjong
Sun Oct 26, 2014 1:41 pm
Forum: Home Loan Forum
Topic: What privileges do doctors get on home loans?
Replies: 7
Views: 6816

What privileges do doctors get on home loans?

Hi there, I’m from Albury and want to get a loan to buy a new home for my family. I’m a dentist and I earn $93,000 every year. One of my cousins works in a bank and she mentioned that there are some banks who offer special benefits for some professionals. Are there any such privileges for medical pr...
by alexjong
Thu Oct 23, 2014 7:52 pm
Forum: Home Loan Forum
Topic: Can I benefit from an upfront property valuation?
Replies: 7
Views: 5716

Re: Can I benefit from an upfront property valuation?

It seems like I need to be very careful when getting a pre-approval. I obviously don’t want my efforts to go to waste. Thank you for helping me understand this better, Otto. I may call your office soon to learn more. Bye.
by alexjong
Thu Oct 23, 2014 1:45 pm
Forum: Home Loan Forum
Topic: Can I benefit from an upfront property valuation?
Replies: 7
Views: 5716

Re: Can I benefit from an upfront property valuation?

Hi, I’ve been thinking about getting pre-approved on a home loan right now so I don’t have to worry much later. Upon sharing this thought with my uncle, he said that I needed to be careful because not all pre-approvals may be reliable. Can anyone tell me which banks may not give out reliable pre-app...
by alexjong
Tue Sep 16, 2014 2:45 pm
Forum: Home Loan Forum
Topic: How much can a contract worker borrow for a house?
Replies: 7
Views: 6650

Re: How much can a contract worker borrow for a house?

Thanks again. Since my wife is British and came to Australia last year, she won’t be able to provide the tax returns. You said that freelancers may be able to prove their income with an employment letter. Could you tell me a bit more about that?
by alexjong
Tue Sep 16, 2014 11:59 am
Forum: Home Loan Forum
Topic: How much can a contract worker borrow for a house?
Replies: 7
Views: 6650

Re: How much can a contract worker borrow for a house?

Hi Otto, thanks for the information. If it is not much of a trouble, could you also tell me about the common types of documents that banks ask for as evidence of my income?
by alexjong
Tue Sep 16, 2014 10:21 am
Forum: Home Loan Forum
Topic: How much can a contract worker borrow for a house?
Replies: 7
Views: 6650

How much can a contract worker borrow for a house?

Hi there, I work in IT while my wife is a freelance journalist. We are both contractors. We live in Perth and have a combined yearly income of around $120,000. We want to buy a place of our own. We are thinking of this apartment in Adelaide Terrace that has an asking price of $510,000. We have $75,0...
by alexjong
Tue Aug 19, 2014 3:53 pm
Forum: Home Loan Forum
Topic: Would a basic home loan be a suitable option for me?
Replies: 7
Views: 6074

Re: Would a basic home loan be a suitable option for me?

Well, that does seem like a good offer to me. I’m still considering what action to take so I’m in no hurry to do anything. Once I’ve decided what to do, I’ll give you a call to discuss it. I thank you for taking out the time to answer my question. Have a good day.
by alexjong
Mon Aug 18, 2014 4:16 pm
Forum: Home Loan Forum
Topic: Would a basic home loan be a suitable option for me?
Replies: 7
Views: 6074

Re: Would a basic home loan be a suitable option for me?

Yeah, thanks. But now my friends have suggested me to apply for a professional package instead. They said that the benefits it provides may prove to be extremely useful to me. What type of benefits are we talking about here?
by alexjong
Mon Aug 18, 2014 6:27 am
Forum: Home Loan Forum
Topic: Would a basic home loan be a suitable option for me?
Replies: 7
Views: 6074

Would a basic home loan be a suitable option for me?

Hello and good afternoon. I’ve been considering getting a mortgage to buy a property in Toowoomba but I’m not sure what loan option to choose. Right now, I’m very much interested in a basic home loan. Can anyone tell me whether a basic loan would be a suitable option for me or not? I also want to kn...