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Type: Posts; User: MichaelKarabassis

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    Another video done on how equity works for...

    Another video done on how equity works for property and property investment.

    https://www.youtube.com/watch?v=w0Ub-meq-kg&t=3s
    https://www.facebook.com/chchmortgageadviser/videos/1174846752657332/...
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    Mortgage adviser videos!

    Hey team,

    I've been a bit quiet on here for a while, but behind the scenes I've been working on plenty of videos.
    Here's a few to whet the appetite.

    Banker vs broker...
  3. Hi Fredt, Send me and email and let me have a...

    Hi Fredt,
    Send me and email and let me have a crack, after all you've been through it would be my honour to help!
    [email protected]

    I just helped a client with a similar...
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    Phoebeily, that's exactly what I would ask for as...

    Phoebeily, that's exactly what I would ask for as a broker and is normal information which is required by banks, especially if it isn't your current bank!

    Michael Karabassis
    Mortgage adviser
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    Hiya M78, Great questions, and Wayne has...

    Hiya M78,

    Great questions, and Wayne has summed it up perfectly.

    My experience is that around 400k locked in at that interest rate with that amount of time left, it will probably be around a...
  6. bahahahahaha

    bahahahahaha
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    Well said!

    Well said!
  8. Not a problem, if you need, just give me a call...

    Not a problem, if you need, just give me a call and ask me questions. Even if I can give you an indication of what the thought process behind your hassles are and an action plan going forward, you...
  9. I suppose that's a good example of some not so...

    I suppose that's a good example of some not so good brokers..

    If you don't mind that I am in chch, and working over email and phone, I can sort your deal for you tomorrow and have it off for...
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    Westpac pay the one of the lowest commissions of...

    Westpac pay the one of the lowest commissions of all the banks, I would be interested to know what you think very high commissions is!
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    Yep, most important thing to note is don't worry...

    Yep, most important thing to note is don't worry about me, I am happy to help regardless of me getting paid.
    I would hate to see any client or contact of mine be shafted by a bank or broker!
    ...
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    This is why you use a mortgage adviser!! I call...

    This is why you use a mortgage adviser!!
    I call all my customers a month out to organise it for them, and if they aren't happy with their current bank then we show them what the other banks will...
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    Depends on how comfortable they are that you can...

    Depends on how comfortable they are that you can service the debt, but unless they ask for a invoices for any reno's or ask for proof of car purchase, they normally just give you a lump sum and you...
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    1Is this possible as the LTC properties are over...

    1Is this possible as the LTC properties are over 70% lvr
    2How long should it take to top up?
    3What information will i need to provide?
    4What is a good reason as the bank will be able to see that...
  15. The view from all the main banks generally is...

    The view from all the main banks generally is that if you try to buy at one price then simply get a registered valuation without enough extensive work on the property, they will make you wait 3-6...
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    I've private messaged you madmax. Hope I can...

    I've private messaged you madmax.
    Hope I can help.
  17. Hiya! I am a Broker, and regardless, I tell...

    Hiya!
    I am a Broker, and regardless, I tell clients the first step is the chat with a broker because other wise its pie in the sky until we can tell you how much you can have and we can give you...
  18. Thanks MargVan, I think its always best to...

    Thanks MargVan, I think its always best to believe people are what they say they are. And if they aren't as long as they doesn't affect you, then there's no real problem either!

    As an ex business...
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    Not sure if you got sorted here but give me a...

    Not sure if you got sorted here but give me a bell if you need.
    Just google me.
  20. or you can use me as a broker :) Yes someone can...

    or you can use me as a broker :)
    Yes someone can use overseas income, but most banks will do a currency exchange for the overseas value, and then also decrease the value to a certain percentage to...
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    yeah the banks are doing pretty well especially...

    yeah the banks are doing pretty well especially when you give them a chance to price and then price. But again its about the total lending package and/or your brand with the bank too.
  22. Do we accurately predict though that the world...

    Do we accurately predict though that the world will always boom and bust like it always has, or has/will changing regulations or attitude or anything made a change for the better? As in, will a bust...
  23. Well said by all of you, and AndyP, interesting...

    Well said by all of you, and AndyP, interesting what you say about a global chch, I think you're right, some of the seasoned investors are already insuring they aren't over leveraging themselves or...
  24. What I reckon will be interesting is the value in...

    What I reckon will be interesting is the value in regards to inner Christchurch vs outer Christchurch/Canterbury (rangiora, kaiapoi, Rolleston, etc.)
    Everyone moved out with the hit of the quake,...
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    I am not with LoanMarket, but I am a mortgage...

    I am not with LoanMarket, but I am a mortgage adviser and with the power of negotiation and the number of deals I put through, getting 4-4.3% is definitely achievable at the moment for a fixed for 1...
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