Does anyone know if you can take out a loan for stamp duty with the home loan?
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19-11-2013 11:46 #31
19-11-2013 11:51 #32
19-11-2013 11:55 #33
In qld, if you are a first home buyer, and you are going to use your home as your main residence, you don't have to pay stamp duty. I don't know about other states.
19-11-2013 12:05 #34
19-11-2013 12:32 #35
19-11-2013 12:49 #36
19-11-2013 13:20 #37
We used a broker. DH has had a very colourful financial history and banks weren't as flexible as a broker.
We didn't/haven't saved anything but were "gifted" 20% of the purchase price.
We are currently looking and actually feeling really disillusioned in our area. We are thinking of continuing renting and buying an investment property.
19-11-2013 21:22 #38
19-11-2013 21:47 #39Member
- Join Date
- Sep 2013
Buying our first home 7 years ago I found really exciting till I saw how little our budget would afford!! Although I'm thankful we did it now my best advice...
Use a broker and compare to direct bank offers
Find an area you love, a house that's tolerable - you can always improve later
Paying off as much as you can in the first 5 yrs is a really effective investment strategy as your primary property is not a taxable investment
19-11-2013 21:52 #40
We just purchused our first home. We had 45k deposit and didnt use the fhog up front (applied after). Our lovely lender didnt explain the difference of xyz of paying a bit more deposit to avoid lmi!! When we had the money!!!!!
Our mortgage is $187,000. $220 a week. I recommend seeing various places as pp said goto your bank if you have been with them for years too
We have a run down house had to spend about 10k on it but now its livable and lovely!
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