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Type: Posts; User: Monkeyboy

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  1. You need to talk to the banking ombudsman as well...

    You need to talk to the banking ombudsman as well as your lawyer. The bank has made the mistake and is now penalizing you for it. I would then contact the bank telling them you won't sign anything...
  2. Increase the rent and then see if they still want...

    Increase the rent and then see if they still want to.
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    Hybrid Real Estate Game

    I have a used Hybrid Real Estate Game for anyone that wants it. Send me a PM if you want it. All I ask for is the cost for post and packaging. It is a pretty enjoyable game. You can learn a lot from...
  4. Has to be Keys.

    Has to be Keys.
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    The first thing a debt collection company does...

    The first thing a debt collection company does when they receive a debt to collect is list it with Veda. Therefore for the next 5 years the mark is already there. Even if you repay it the mark is on...
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    right. :) but there is ways around this too.

    right. :) but there is ways around this too.
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    All the banks pay the same amount. Some non bank...

    All the banks pay the same amount. Some non bank lenders pay more but there is often a reasoin you would send a client there over the mainstream banks. Therefore you will find mortgage brokers will...
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    I'm pretty sure with Westpac they look at your...

    I'm pretty sure with Westpac they look at your entire portfolio so if you have 3 with one bank then they will only go another one, if servicing allows.
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    It's funny. There are a lot of people in these...

    It's funny. There are a lot of people in these areas who have been in their homes for a long time. They never complained about their GV's because it would mean their rates would rise if the GV was...
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    You could try to get the money through their...

    You could try to get the money through their assets. Offer them a substantial amount less for their property. If they are behind on their mortgage their bank may accept a lesser amount. The council...
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    Veda Advantage for Credit Checks. A lot of banks...

    Veda Advantage for Credit Checks. A lot of banks don't do PPSR searches. Not sure why but they should.

    As for searching of mortgages. You can do a property search. then you can look at the titles...
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    Insurance issues for Chch

    I thought I would let everyone know that you will find it very difficult to get insurance on a property in Chch right now. If you are settling on a property then you may want to make sure of your...
  13. Keys for property manager!!! Search on the forum...

    Keys for property manager!!! Search on the forum under the name of KEYS.
  14. If you have mud to sling I would suggest going...

    If you have mud to sling I would suggest going back to the RM thread. There noone complained about the mud slinging. :lol:
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    You can also get a pre approval for a particular...

    You can also get a pre approval for a particular property and then if you don't get it at auction transfer that pre-approval to a new property. This can safeguard you a bit more.
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    While they may not ask the structure if they need...

    While they may not ask the structure if they need a registered valuation and the valuer puts a disclaimer in there relating to leaky building you can be sure the bank will ask for more information....
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    Try Nigel Lundy of Metropolitan Advances 377...

    Try Nigel Lundy of Metropolitan Advances 377 2799. He doesn't muck about. Ask him to do something and he's on to it straight away. Has a lot of properties himself so knows what he is talking about.
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    If you want a straight shooter who takes no s**t...

    If you want a straight shooter who takes no s**t and plays by the rules, Keys is your man.
  19. Cherish what you have. It isn't too bad in this...

    Cherish what you have. It isn't too bad in this climate. The $700K property could certainly give you some options. There are still lenders out there doing asset lends. But more than likely cost a bit...
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    Tan pretty much summed it all up. What i would...

    Tan pretty much summed it all up. What i would say is if you do use your own home for the deposit funds definitely take a loan out first then go to another bank for the lending. This is to avoid...
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    Give me a call. I may be able to help you with...

    Give me a call. I may be able to help you with some snake oil on the side.

    I would always choose a broker over the bank. Saves you leg work. I will tell you which bank will do what for you. I may...
  22. Can you prove you can do this? If so there are...

    Can you prove you can do this? If so there are lenders who will help so long as you don't mind paying for it. You still need low LVR and you pay high interest rates and fees.
  23. You can find asset lends at the moment. They are...

    You can find asset lends at the moment. They are just coming back into the marketplace. Low LVR's and high interest rates. You do need to show there is some serviceability available via either GST...
  24. Oh Yeah. He's got a great work vehicle. There is...

    Oh Yeah. He's got a great work vehicle. There is a photo on this site somewhere.
  25. Have used Keys and found him to be straight up...

    Have used Keys and found him to be straight up and easy to work with. Works for you as the landlord.
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