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Thread: house loan .

  1. 9th August 2009, 09:12 PM #1
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    house loan .

    Hi Guys . Looking at buying my first house but have 1 mark against my name for a stupid $140 overdue telstra bill . Will the banks even look at me with this strike against my name ? The bill has been paid .
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  2. 9th August 2009, 09:23 PM #2
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    Yeah - should be right Mick.
    Get on the phone and have a chat - they will crunch the numbers and let you know what they will lend you. (Don't settle for one bank - ring around)

    The days of sucking up to the Bank Manager are gone. If you can prove your income, they will ring around and check you out.

    They will let you know what they'll lend you. If the debt you mentioned rings alarm bells then discuss it with them.

    In the end, they want your money more than you want theirs.
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  3. 9th August 2009, 09:27 PM #3
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    Hi Sleepy . We are going to ring aussie in the morning and also Rams home loans . We also have an appointment with westpac late monday .
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  4. 9th August 2009, 09:29 PM #4
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    I commend you for making the 1st step towards property ownership , 1 unpaid Telstra Bill will have no bearing on the morage lender.

    are you thinking of buying in the same township ?
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  5. 9th August 2009, 09:31 PM #5
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    Quote Originally Posted by Disco_owner View Post
    I commend you for making the 1st step towards property ownership , 1 unpaid Telstra Bill will have no bearing on the morage lender.

    are you thinking of buying in the same township ?
    Hey Khos . yeah will be buying in Colac . We are happy here and the kids are doing great at the school they are in so we are more than happy to stay put !
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  6. 9th August 2009, 09:37 PM #6
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    Quote Originally Posted by Fusion View Post
    Hi Sleepy . We are going to ring aussie in the morning and also Rams home loans . We also have an appointment with westpac late monday .
    That's a good start mate. Have a look for online home loan calculators - most of the banks have them. Gives you an idea of how expensive money is.

    Good luck!
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  7. 9th August 2009, 09:41 PM #7
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    Quote Originally Posted by Sleepy View Post
    That's a good start mate. Have a look for online home loan calculators - most of the banks have them. Gives you an idea of how expensive money is.

    Good luck!
    yeah have been doing the calculator thing . we are paying $200 a week in rent at the moment so i'm sure we can pay off a house .
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  8. 9th August 2009, 09:45 PM #8
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    we also have a guarantor . to help us out .
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  9. 9th August 2009, 09:48 PM #9
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    Quote Originally Posted by Fusion View Post
    yeah have been doing the calculator thing .
    we are paying $200 a week in rent at the moment so i'm sure we can pay off a house
    .
    geez renting is cheap down there....when we were renting we were paying $340 a week
    Our Land Rover does not leak oil! it just marks its territory.......



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  10. 9th August 2009, 09:49 PM #10
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    Quote Originally Posted by dullbird View Post
    geez renting is cheap down there....when we were renting we were paying $340 a week
    Hi DB . My town consists of 11,000 people so being a country town things are a lot cheaper than the city .
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