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Check out the new 2017-2018 Medium and Long Term Strategic Skill List (MLTSSL) and Short‑term Skilled Occupation List (STSOL) - formerly known as SOL and CSOL here

Experience on Home Loans

What's Hot
TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 270Member, Moderator
edited November 2013 in Other Info Bout OZ Posts: 4,325
Mga veterans here in Australia; share naman your experiences in getting a home loan (i.e. which financial institution, terms, etc...)

Still a long way to go but little by little, we are saving up for this... As early as now, nagbabasa na rin.

Thanks!
Primary Applicant: Wife
Accountant (General): 221111

04 Aug 2012 - IELTS (Academic Module)
07 Aug 2012 - IELTS (Academic Module) Speaking Part
17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
25 Sep 2012 - Received +Skills Assessment from CPAA
25 Sep 2012 - Lodged EOI Application with 70pts
30 Sep 2012 - Invited by DIAC to apply for 189 Visa
01 Oct 2012 - Submitted 189 Visa Application
20 Oct 2012 - Medical Examinations
23 Oct 2012 - CO Assigned; Team 7 - SA
05 Nov 2012 - Submitted SG PCC and NBI Clearance
06 Nov 2012 - Visa Granted (IED: 23/10/2013)
03 Apr 2013 - Flight to MEL
03 Jun 2013 - started work
12 Jun 2013 - wife started work
15 Jun 2016 - applied for citizenship
29 Jul 2016 - citizenship examination
20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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Comments

  • JCsantosJCsantos SydneyTotal Reaction Points: 153Member, Moderator
    Posts: 1,416
    kung tinatamad ka mag compare ng homeloans get a broker !

    they will do your homework, you dont pay them because banks will pay them for the refferal

    wag mag papadala sa mga low interest ... talk to Bank Managers on the details .. at parang interview sa trabaho kailangan meron kang maitatatnong
    Google for Everything !!!
    rareking C_hiLL
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  • KurikongSaTumbongKurikongSaTumbong SydneyTotal Reaction Points: 54Member
    Posts: 441
    Mga veterans here in Australia; share naman your experiences in getting a home loan (i.e. which financial institution, terms, etc...)

    Still a long way to go but little by little, we are saving up for this... As early as now, nagbabasa na rin.

    Thanks!
    Tawagan mo itong broker ko 0.4.1.4.5.4.7.1.8.8. Jay ang pangalan nya (Indian sya). Magaling sya. Napa refinance nya sa ANZ yung 2 loan namin (bahay tsaka rental property) tapos eh napa approve nya ng 100% yung commercial property loan namin kaya lubog na ako sa utang 3 loan ko huhuhu. Mababa pa nakuha nyang interest. Dati sa St.George ako at me malaki na akong staff discount pero mas mababa pa rin nakuha nitong broker sa ANZ.

    Usually 25 to 30 years yang mga loan. Maganda ngayon mababa interest rate. Ipon ka mga 5% ng value nung bibilhin mo tsaka additional na mga $20k siguro para sa mga stamp duty, mortgage insurance etc. marami kasing additional costs involved sa pagbili ng bahay.

    Bigyan kita ng idea, kung mga $500K loan mo at 30 years for example eh mga $2,400 a month ang amortisation. Pag mag loan ka sabihin mo gusto mo forthnightly ang bayad at hindi monthly. Malaki matitipid mo sa interest pag ganun arrangement.
    Kurikong, kurikong...sa tumbong ay umusbong!
    rareking C_hiLL
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  • JCsantosJCsantos SydneyTotal Reaction Points: 153Member, Moderator
    Posts: 1,416

    Tawagan mo itong broker ko 0.4.1.4.5.4.7.1.8.8. Jay ang pangalan nya (Indian sya). Magaling sya. Napa refinance nya sa ANZ yung 2 loan namin (bahay tsaka rental property) tapos eh napa approve nya ng 100% yung commercial property loan namin kaya lubog na ako sa utang 3 loan ko huhuhu. Mababa pa nakuha nyang interest. Dati sa St.George ako at me malaki na akong staff discount pero mas mababa pa rin nakuha nitong broker sa ANZ.
    Kinindatan mo rin ba si Jay? =)) =)) =))
    Google for Everything !!!
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  • stolich18stolich18 SydneyTotal Reaction Points: 30Member
    Posts: 993
    @KST and @JCsantos, san po ang magandang location? napapansin ko kase pag medyo sa inner west/north, ang 500K ay parang unit lang. nalalayuan ako sa blacktown area.. may iba pa kayong massuggest na lugar? :)
    261313 (Software Engineer)

    Feb.15.2012 - started working on ACS requirements
    Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
    Mar.05.2012 - ACS acknowledged actual documents
    Mar.21.2012 - ACS finalised assessment: Suitable
    Mar.31.2012 - IELTS exam with BC
    Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
    Apr.14.2012 - Lodged 175 Online Application
    Apr.20.2012 - Completed Online Attachments
    May.24.2012 - "Application being processed further"
    May.29.2012 - CO Assigned :-)
    Jun.07.2012 - Uploaded NBI Clearance
    Jun.13.2012 - Medical/Health Requirements Finalised
    Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
    Jun.07.2013 - Initial Entry Date Deadline
    Apr.28.2013 - Initial Entry (Sydney)
    Jun.28.2013 - Verbal Job Offer (Melbourne)
    Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
    Aug.21.2013 - First day of Work in Sydney

    "Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3
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  • JCsantosJCsantos SydneyTotal Reaction Points: 153Member, Moderator
    Posts: 1,416
    @KST and @JCsantos, san po ang magandang location? napapansin ko kase pag medyo sa inner west/north, ang 500K ay parang unit lang. nalalayuan ako sa blacktown area.. may iba pa kayong massuggest na lugar? :)
    " Beauty is in the eye of the beholder " -- pero kami ang beauty e pag mura kaya sa blacktown kami kumuha =)) =)) =))

    you need to research your own liking ... kami ni wifey kasi meron kaming personal preference pero it all depends kung kaya naming bayaran ... we prefer blacktown kasi dun lang yun merong mura at safe na lugar ....
    Google for Everything !!!
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  • KurikongSaTumbongKurikongSaTumbong SydneyTotal Reaction Points: 54Member
    Posts: 441
    @KST and @JCsantos, san po ang magandang location? napapansin ko kase pag medyo sa inner west/north, ang 500K ay parang unit lang. nalalayuan ako sa blacktown area.. may iba pa kayong massuggest na lugar? :)
    Maganda sana sa Mosman pero medyo mahal huhuhu (Eastern ito na katabi ng tubig). Kung gusto mo sa Northern suburbs eh Mt. Colah pinaka affordable. Malapit lang sa Hornsby pero mga nasa $800 pataas na rin dun).

    Mahirap na talaga makahanap ng $500K na bahay ngayon. Sa mga medyo malapit eh talagang unit na lang mabibili mo dyan. Kung taasan mo ng mga $800K eh makakakuha ka pa sa Castle Hill ng luma pero malaking bahay (pero bihira na nagbebenta ng $800k ngayon dun).

    Kung itaas mo pa ng $1M to $1.2 eh maganda sa Wahroonga makakahanap ka pa. Northern suburb din at malapit sa magagandang iskul at train line.

    Kurikong, kurikong...sa tumbong ay umusbong!
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  • stolich18stolich18 SydneyTotal Reaction Points: 30Member
    Posts: 993
    madami nga akong naririnig na magandang properties sa North. Ang mamahal naman pag malapit tlga sa City. Ang hirap kase eh, normally sa work kase namin ni hubby, malamang at malamang lagi kami sa CBD. ok lang naman magtravel ng malayo, ang problem kase, kung lampas 1 hr na travel, pano ko susunduin anak namin sa childcare heheheh unless, sa city ko sya ichildcare, kawawa naman, pati sya gigising ng maaga at bbyahe ng malayo, aside from the fact na ang mahal kaya ng childcare sa city. hehehe

    nasasayangan kase ako sa bayad sa rent eh, pero alam ko once bumili na ng unit or bahay, tuloy tuloy din ang gastos/maintenance. hehehe

    Ano ba advice nyo, as soon as may 5% ka na, dp na agad at bili? Or ipon ipon muna para mas malaki ang pangdown? hehehe ang 700-800K na loan, 1K+ ang weekly repayments noh? hehehe
    261313 (Software Engineer)

    Feb.15.2012 - started working on ACS requirements
    Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
    Mar.05.2012 - ACS acknowledged actual documents
    Mar.21.2012 - ACS finalised assessment: Suitable
    Mar.31.2012 - IELTS exam with BC
    Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
    Apr.14.2012 - Lodged 175 Online Application
    Apr.20.2012 - Completed Online Attachments
    May.24.2012 - "Application being processed further"
    May.29.2012 - CO Assigned :-)
    Jun.07.2012 - Uploaded NBI Clearance
    Jun.13.2012 - Medical/Health Requirements Finalised
    Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
    Jun.07.2013 - Initial Entry Date Deadline
    Apr.28.2013 - Initial Entry (Sydney)
    Jun.28.2013 - Verbal Job Offer (Melbourne)
    Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
    Aug.21.2013 - First day of Work in Sydney

    "Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3
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  • KurikongSaTumbongKurikongSaTumbong SydneyTotal Reaction Points: 54Member
    Posts: 441
    madami nga akong naririnig na magandang properties sa North. Ang mamahal naman pag malapit tlga sa City. Ang hirap kase eh, normally sa work kase namin ni hubby, malamang at malamang lagi kami sa CBD. ok lang naman magtravel ng malayo, ang problem kase, kung lampas 1 hr na travel, pano ko susunduin anak namin sa childcare heheheh unless, sa city ko sya ichildcare, kawawa naman, pati sya gigising ng maaga at bbyahe ng malayo, aside from the fact na ang mahal kaya ng childcare sa city. hehehe

    nasasayangan kase ako sa bayad sa rent eh, pero alam ko once bumili na ng unit or bahay, tuloy tuloy din ang gastos/maintenance. hehehe

    Ano ba advice nyo, as soon as may 5% ka na, dp na agad at bili? Or ipon ipon muna para mas malaki ang pangdown? hehehe ang 700-800K na loan, 1K+ ang weekly repayments noh? hehehe
    bumili ka na agad. hindi na magmumura mga bahay lalo pang tataas next year. bili na ASAP!
    Kurikong, kurikong...sa tumbong ay umusbong!
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  • JCsantosJCsantos SydneyTotal Reaction Points: 153Member, Moderator
    Posts: 1,416

    Ano ba advice nyo, as soon as may 5% ka na, dp na agad at bili? Or ipon ipon muna para mas malaki ang pangdown? hehehe ang 700-800K na loan, 1K+ ang weekly repayments noh? hehehe
    Ako I rather save first .... malaki yung LMI pag umutang ka ng over 90% of the value of the property

    parang pang 5 months na mortgage na rin yung

    to see the estimate lmi -> http://www.yourmortgage.com.au/calculators/mortgage_insurance/

    Google for Everything !!!
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  • KurikongSaTumbongKurikongSaTumbong SydneyTotal Reaction Points: 54Member
    Posts: 441
    Kurikong, kurikong...sa tumbong ay umusbong!
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  • KurikongSaTumbongKurikongSaTumbong SydneyTotal Reaction Points: 54Member
    Posts: 441
    Kurikong, kurikong...sa tumbong ay umusbong!
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  • FlightOZFlightOZ SydneyTotal Reaction Points: 7Member
    Posts: 83
    Bookmarked.... pag may trabaho na go!!! Hehheheheh...

    may minimum time frame ba after arrival or after getting a Job bago maka bili nang bahay?
    VISA GRANT: 14 Nov. 2013


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  • KurikongSaTumbongKurikongSaTumbong SydneyTotal Reaction Points: 54Member
    Posts: 441
    Bookmarked.... pag may trabaho na go!!! Hehheheheh...

    may minimum time frame ba after arrival or after getting a Job bago maka bili nang bahay?
    Wala naman basta regular ka na malamang approved loan mo. Ako nga nung 2006 eh 2nd day ko pa lang sa trabaho nag apply na ako ng homeloan - na approve naman kaya less than a year lang kami umupa dito. Dumating kasi kami eh Nov 2005 tapos 2006 eh naka loan na pambili ng unang bahay huhuhu.
    Kurikong, kurikong...sa tumbong ay umusbong!
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  • vhoythoyvhoythoy MelbourneTotal Reaction Points: 210Member, Moderator
    Posts: 1,550
    5% of value plus around 20k so in pesos more or less dapat may mga 2million pesos ka in cash para maka housing loan. Medyo mabigat din. Sa 500,000 usually ilang bedrooms nba yan? May loan grant assitance ba na bibinigay ang australian govt for new migrants? What if aalis ka din ng australia in few years, madali lang ba maipapasa ang loan or mabebenta property mo kahit under amortisation pa?
    ANZSCO 221214 - Internal Auditor
    19 Jan 13 - Academic IELTS Results - passed
    12 July 13 - Vetassess Assessment + Point Test Advice: Positive
    03 Nov 13 - Invitation Accepted 70 points
    19 Dec 13 - Lodged Visa 189
    07 Feb 14 - Visa Granted
    04 Aug 14 - Initial Entry Date requirement
    26 July 14 - Actual IED to Melbourne
    May 2015 - Big Move
    June 2015 - Got a permanent role in Melbourne
    Apr 2016 - Got a contract consultancy role in Melbourne
    May 2016 - Got permanent role and moved to Toowooba, Queensland

    And now...... living the life that i have imagined

    "A great photograph is one that fully expresses what one feels, in the deepest sense, about what is being photographed" - Ansel Adams

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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 270Member, Moderator
    Posts: 4,325
    kung tinatamad ka mag compare ng homeloans get a broker !

    they will do your homework, you dont pay them because banks will pay them for the refferal

    wag mag papadala sa mga low interest ... talk to Bank Managers on the details .. at parang interview sa trabaho kailangan meron kang maitatatnong
    @JCsantos - ang problema daw sa mga homeloan broker, sometime they don't give you the best picture of your possible options. Since commission based daw sila, they MAY try to sell the package that will bring in big money for them... :)

    But on the other hand daw, you can be able to access some deals which is only available if you course it via a broker.
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 270Member, Moderator
    edited November 2013 Posts: 4,325
    5% of value plus around 20k so in pesos more or less dapat may mga 2million pesos ka in cash para maka housing loan. Medyo mabigat din. Sa 500,000 usually ilang bedrooms nba yan? May loan grant assitance ba na bibinigay ang australian govt for new migrants? What if aalis ka din ng australia in few years, madali lang ba maipapasa ang loan or mabebenta property mo kahit under amortisation pa?
    @vhoythoy

    The size of a house that can be bought with 500K is dependent to the location... :)

    There is a First Home Owners Grant and I believe the amount is dependent on which state you live. The amount here is not that big with respect to the total amount of the loan that you will be taking out as this is just a way for the gov't to help offset the tax on your home purchase.

    You can always try to sell your property; just bear in mind that dapat may bibili and that there are also corresponding cost to exist from this type of investment.

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 270Member, Moderator
    Posts: 4,325
    Ano ba advice nyo, as soon as may 5% ka na, dp na agad at bili? Or ipon ipon muna para mas malaki ang pangdown? hehehe ang 700-800K na loan, 1K+ ang weekly repayments noh? hehehe
    If you confident with your financial standing (i.e. may stable work na, etc) and if you have decided where to settle, I would personally say bili ka na...

    At least you are starting to build your equity na sa new house mo rather than still continue to pay dead money in rent.
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 270Member, Moderator
    Posts: 4,325
    @KurikongSaTumbong and @JCsantos; a few questions if you don't mind:

    (1) Which particular financial institution did you take our your loan from?
    (2) Did you fix your rate or just took out a variable loan?
    (3) What is your take on additional payments versus putting money on a 100% offset account?

    I will end it here... :)
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 270Member, Moderator
    Posts: 4,325
    By the way, sa mga taga Melbourne kung gusto ninyo pumasyal, the house of Julia Gillard will be placed under the hammer in mid-December... Open for inspection sya this weekend sa may Altona!! :)

    http://www.domain.com.au/Property/For-Sale/House/VIC/Altona/?adid=2010837024

    http://www.heraldsun.com.au/news/victoria/julia-gillards-altona-house-for-sale/story-fni0fit3-1226759283621

    Makiki-gulo kami ni misis ngayong Sunday!! :)
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • JCsantosJCsantos SydneyTotal Reaction Points: 153Member, Moderator
    Posts: 1,416
    back then we were choosing commonwealth bank and st george, after we got a pre approval from st george we did not try other bank, variable is always better, dati from gigh of 7% bumaba yung rate to almost 5%, sa st george you can do advance payment then withdtaw then kung kailangan mo yung pera so its like an offset account
    Google for Everything !!!
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