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  1. #31
    Join Date
    Jun 2010
    Achievements:Topaz Star - 500 posts
    Thanks so much everyone. I called a broker on Monday and didn't get a great feeling from him. He wanted me to email me out tax returns so he could see our total income for the last 2 years and said he would get back to us with or borrowing power and some options by the end of the week. That seems ages! So I called another one and they said almost the same thing but seemed much nicer in the way she spoke and said she would get back to me Wednesday. Hopefully she calls me back today. Going to brokers as a starting point and planning to call my bank today as well. Also spoken to keystart as they do no deposit or 1% deposit home loans. We don't have genuine savings but was told by the broker that some places will accept our rental history as genuine savings. We have 25k deposit which is a gift and planning to borrow around 300k.

  2. #32
    Join Date
    Jul 2015
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 posts
    100 Posts in a week
    Quote Originally Posted by monnie24 View Post
    Yes. To change things you need to goto a broker again not NAB. As Homeside is not actually NAB it's actually a broker thing. But part of nab it's confusing haha!! They also pay highest commission too
    thanks! good to know!

    we went with nab mainly because all our other banking and share trading are through them. I just hated the idea of having a home loan separate to all our other banking.

  3. #33
    Join Date
    Mar 2015
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Quote Originally Posted by monnie24 View Post
    I will never use one again too. I had big deposit (70k) purchased home 200k. And he told me use less deposit and pay LMI. Um wtf. I didn't know much about this sort of stuff and neither did DH. So we went with it. He put us with Homeside with NAB. Worst home loan ever. Go straight to your bank first especially now with rates
    The brokers get extra commissions on the LMI. They should've disclosed that though.


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