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Posts: 4,336Member
Joined: Feb 24, 2011
fire and flood insurance in melbourne for the property that we are looking at is pegged at around $800/year...
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!!
Posts: 4,336Member
Joined: Feb 24, 2011
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!!
Posts: 333Member
Joined: Jan 07, 2013
Analyst Programmer (ANZSCO Code 261311)
YEAR 2012 - Collated all required documents and RPL
Jan. 06, 2013 - ACS (RPL) Submitted
Feb. 02, 2013 - IELTS Exam (BC)
Feb. 15, 2013 - L-8.0 R-7.0 S-6.5 W-6.0 (Charge to experience)
Mar. 14, 2013 - ACS Stage 4 - In Progress
Mar. 15, 2013 - ACS Suitable 9+ Years Work Experience
Apr. 06, 2013 - IELTS Exam 2 (IDP)
Apr. 19, 2013 - L-8.5 R-7.0 S-7.5 W-7.5
Apr. 19, 2013 - EOI 190 & VIC SS Submitted
Apr. 24, 2013 - VIC SS Acknowledgement Received
May 03, 2013 - Updated EOI, Submitted 189 with 65 points
May 06, 2013 - Received DIAC invite
June 06, 2013 - Lodged VISA 189
Aug. 03 2013 - Medicals Done @NHSI
Aug. 06 2013 - CO Allocated, Adelaide Team 6
Aug. 06 2013 - Uploaded NBI Clearance
Aug. 08 2013 - Uploaded ITRs, payslips & Form 80
Aug, 14 2013 - Daughter's Medical referred to MOC
Sep. 18 2013 - VISA GRANT!!!! IED Aug. 2014
Nov. 12 2013 - MNL - MEL via PAL
Jan. 14 2014 - Job Offer
Jan. 20 2014 - First day of work!
Posts: 4,336Member
Joined: Feb 24, 2011
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!!
Posts: 1,074Member
Joined: Apr 17, 2013
Occupation: Software Engineer (ANZSCO Code 261313)
Main applicant : Husband
April 29, 2013 : ACS Skills assessment
July 22, 2013 : ACS assessment result
January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
January 12, 2013: Lodged EOI (65points)
January 13, 2013: Invited to apply for visa 189
February 9, 2014: Lodged visa
March 1, 2014: Medicals at NHSI
March 6: email from CO requesting form 80 and hubby's NBI Clearance
March 25, 2014: visa grant. Thank you lord
June 8,2014: Hubby arrived in Sydney
Sept 11,2014: Hubby's first day of work. Thank you Lord!
Feb 7, 2015 : Baby and I arrived in Sydney
April 13, 2015: My first day of work
Posts: 4,336Member
Joined: Feb 24, 2011
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!!
Posts: 333Member
Joined: Jan 07, 2013
Analyst Programmer (ANZSCO Code 261311)
YEAR 2012 - Collated all required documents and RPL
Jan. 06, 2013 - ACS (RPL) Submitted
Feb. 02, 2013 - IELTS Exam (BC)
Feb. 15, 2013 - L-8.0 R-7.0 S-6.5 W-6.0 (Charge to experience)
Mar. 14, 2013 - ACS Stage 4 - In Progress
Mar. 15, 2013 - ACS Suitable 9+ Years Work Experience
Apr. 06, 2013 - IELTS Exam 2 (IDP)
Apr. 19, 2013 - L-8.5 R-7.0 S-7.5 W-7.5
Apr. 19, 2013 - EOI 190 & VIC SS Submitted
Apr. 24, 2013 - VIC SS Acknowledgement Received
May 03, 2013 - Updated EOI, Submitted 189 with 65 points
May 06, 2013 - Received DIAC invite
June 06, 2013 - Lodged VISA 189
Aug. 03 2013 - Medicals Done @NHSI
Aug. 06 2013 - CO Allocated, Adelaide Team 6
Aug. 06 2013 - Uploaded NBI Clearance
Aug. 08 2013 - Uploaded ITRs, payslips & Form 80
Aug, 14 2013 - Daughter's Medical referred to MOC
Sep. 18 2013 - VISA GRANT!!!! IED Aug. 2014
Nov. 12 2013 - MNL - MEL via PAL
Jan. 14 2014 - Job Offer
Jan. 20 2014 - First day of work!
Posts: 5,037Member, De-activated
Joined: Feb 23, 2012
sabi ng mga officemates ko na pinoy:
- may mga financing na atleast 5% deposit..
- if you are borrowing >80% of the property value, you will need to pay a mortgage insurance..
- some financing will allow you to include that mortgage insurance sa home loan, others won't, so you have to pay that outright....
- other fees such as legal costs..possibly stamp duty (in some States, yung mga first home buyers may exemptions depending on the price of the property)..
sabi nila i can do it in two ways:
- sa mga builders na may home+land package, tapos sila na rin mag arrange ng finance..
- or punta sa mga bank, mag pa approve ng loan amount, tapos saka mag hanap ng gustong bahay.. pag may napili na... iprocess na ulit sa bank.
- normally eligible na daw after 1 year sa work..
- pag may ipon ng deposit at savings history..
- mag 1 year na ako.. exciting.. but its a big decision to make..
Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
June 22, 2012 - Medicals Finalized | Aug 30, 2012 - PCCs Completed (PH, UAE, USA)
Sep 3, 2012 - Visa Granted (IED Jun 11, 2013) Thank You Lord!
Oct 16-28, 2012 - Initial Entry Completed - Sydney
July 28, 2013 - Final move to Perth
Sep 9, 2013 - Started work with the same company i worked for in UAE/USA
Oct 28, 2013 - Moved to another company..
Posts: 4,336Member
Joined: Feb 24, 2011
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!!
Posts: 27Member
Joined: Jul 19, 2014
I do not know a lot about the outer suburbs because I live in the inner southeast. If you like to live near the beach, you have to buy in the south/bayside area but be prepared for the price. If you have enough money check out the bayside area Cheltenham, Mentone, Beumaris, Sandringham
It is easy to buy the property in Melbourne as long as you have enough money and a job to pay the mortgage then you are good to go.
Cheers!
Posts: 112Member
Joined: Jan 30, 2013
we are planning to renew our lease agreement for another 6mos until April 2015, then apply for a house loan by end of this year..
Profession: QS / Estimator / Civil Engineer
Visa 190/WA sponsored/Vettassess (Nom. Occupation :Estimator)
08 Nov 2013 - VISA GRANT! IED Sept 2014
06 April 2014 - Moved to Perth permanently
Posts: 4,336Member
Joined: Feb 24, 2011
hintay hintay nalang ang save as much as we can... settlement will not be until the middle of november!
excited and at the same time kinakabahan pa rin...
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!!
Posts: 4,336Member
Joined: Feb 24, 2011
with interest not expected to go lower, it may be time to look into this.
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!!
Posts: 5,037Member, De-activated
Joined: Feb 23, 2012
ayan pagkaka-alam ko.. so please check sa website nila kung tama ang intindi ko..
Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
June 22, 2012 - Medicals Finalized | Aug 30, 2012 - PCCs Completed (PH, UAE, USA)
Sep 3, 2012 - Visa Granted (IED Jun 11, 2013) Thank You Lord!
Oct 16-28, 2012 - Initial Entry Completed - Sydney
July 28, 2013 - Final move to Perth
Sep 9, 2013 - Started work with the same company i worked for in UAE/USA
Oct 28, 2013 - Moved to another company..
Posts: 5,037Member, De-activated
Joined: Feb 23, 2012
did you use a broker.. or you applied directly sa bank?
Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
June 22, 2012 - Medicals Finalized | Aug 30, 2012 - PCCs Completed (PH, UAE, USA)
Sep 3, 2012 - Visa Granted (IED Jun 11, 2013) Thank You Lord!
Oct 16-28, 2012 - Initial Entry Completed - Sydney
July 28, 2013 - Final move to Perth
Sep 9, 2013 - Started work with the same company i worked for in UAE/USA
Oct 28, 2013 - Moved to another company..
Posts: 4,336Member
Joined: Feb 24, 2011
No, I don't trust mortgage brokers! Ehehehe!! I could be wrong though...
I just went straight to a big 4 bank where I had relationship previously; una kami kumuha sa loans.com.au (4.54% variable) okey na sana but they had some problem with our property. so ayun, sa big 4 na kami dumiretso.
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!!
Posts: 112Member
Joined: Jan 30, 2013
$95,000 (Singles)
$115,000 (Couples)
$135,000 (Families)
Now this may be a stupid question, but Im not sure which limit applies to us. Do we fall under the "Singles" (one-income family) or "Families" (couple with kids) ? Sabagay, it wont really matter coz pasok kami either way. Kaya nga gusto ko na apply sa Keystart, malay natin in a couple of months e hndi na kami eligible dahil sa income limit
Profession: QS / Estimator / Civil Engineer
Visa 190/WA sponsored/Vettassess (Nom. Occupation :Estimator)
08 Nov 2013 - VISA GRANT! IED Sept 2014
06 April 2014 - Moved to Perth permanently
Posts: 112Member
Joined: Jan 30, 2013
Profession: QS / Estimator / Civil Engineer
Visa 190/WA sponsored/Vettassess (Nom. Occupation :Estimator)
08 Nov 2013 - VISA GRANT! IED Sept 2014
06 April 2014 - Moved to Perth permanently
Posts: 1,074Member
Joined: Apr 17, 2013
Occupation: Software Engineer (ANZSCO Code 261313)
Main applicant : Husband
April 29, 2013 : ACS Skills assessment
July 22, 2013 : ACS assessment result
January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
January 12, 2013: Lodged EOI (65points)
January 13, 2013: Invited to apply for visa 189
February 9, 2014: Lodged visa
March 1, 2014: Medicals at NHSI
March 6: email from CO requesting form 80 and hubby's NBI Clearance
March 25, 2014: visa grant. Thank you lord
June 8,2014: Hubby arrived in Sydney
Sept 11,2014: Hubby's first day of work. Thank you Lord!
Feb 7, 2015 : Baby and I arrived in Sydney
April 13, 2015: My first day of work
Posts: 4,336Member
Joined: Feb 24, 2011
I got 4.9% fixed for 5 yrs in one of the Big 4 - I dunno how much will it be after the fixed period has lapse but this really depends on where the cash rate is at in 2019. Chances are mas mataas na as compared to where it is now.
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!!
Posts: 5,037Member, De-activated
Joined: Feb 23, 2012
or pre-approved loan first, then go property hunting?
Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
June 22, 2012 - Medicals Finalized | Aug 30, 2012 - PCCs Completed (PH, UAE, USA)
Sep 3, 2012 - Visa Granted (IED Jun 11, 2013) Thank You Lord!
Oct 16-28, 2012 - Initial Entry Completed - Sydney
July 28, 2013 - Final move to Perth
Sep 9, 2013 - Started work with the same company i worked for in UAE/USA
Oct 28, 2013 - Moved to another company..
Posts: 5,037Member, De-activated
Joined: Feb 23, 2012
Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
June 22, 2012 - Medicals Finalized | Aug 30, 2012 - PCCs Completed (PH, UAE, USA)
Sep 3, 2012 - Visa Granted (IED Jun 11, 2013) Thank You Lord!
Oct 16-28, 2012 - Initial Entry Completed - Sydney
July 28, 2013 - Final move to Perth
Sep 9, 2013 - Started work with the same company i worked for in UAE/USA
Oct 28, 2013 - Moved to another company..
Posts: 4,336Member
Joined: Feb 24, 2011
Unfortunately our first lender had an issue with our property so they could not underwrite a loan for us so hanap ulit and we went to a Big 4 bank.
Normally the process would have been na ma grant na yung unconditional approval sa loan namin had there not been any issues with the property.
All good now!! Waiting nalang for settlement in 3.5 months.
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!!
Posts: 1,074Member
Joined: Apr 17, 2013
Occupation: Software Engineer (ANZSCO Code 261313)
Main applicant : Husband
April 29, 2013 : ACS Skills assessment
July 22, 2013 : ACS assessment result
January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
January 12, 2013: Lodged EOI (65points)
January 13, 2013: Invited to apply for visa 189
February 9, 2014: Lodged visa
March 1, 2014: Medicals at NHSI
March 6: email from CO requesting form 80 and hubby's NBI Clearance
March 25, 2014: visa grant. Thank you lord
June 8,2014: Hubby arrived in Sydney
Sept 11,2014: Hubby's first day of work. Thank you Lord!
Feb 7, 2015 : Baby and I arrived in Sydney
April 13, 2015: My first day of work
Posts: 1,074Member
Joined: Apr 17, 2013
Occupation: Software Engineer (ANZSCO Code 261313)
Main applicant : Husband
April 29, 2013 : ACS Skills assessment
July 22, 2013 : ACS assessment result
January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
January 12, 2013: Lodged EOI (65points)
January 13, 2013: Invited to apply for visa 189
February 9, 2014: Lodged visa
March 1, 2014: Medicals at NHSI
March 6: email from CO requesting form 80 and hubby's NBI Clearance
March 25, 2014: visa grant. Thank you lord
June 8,2014: Hubby arrived in Sydney
Sept 11,2014: Hubby's first day of work. Thank you Lord!
Feb 7, 2015 : Baby and I arrived in Sydney
April 13, 2015: My first day of work
Posts: 4,336Member
Joined: Feb 24, 2011
LMI is dependent din sa DP mo to your property price.
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!!
Posts: 4,336Member
Joined: Feb 24, 2011
But I would think that BIG 4's have more product offering which you can take advantage of apart from the loan. Kumbaga look at it as a one stop shop for your personal finance needs.
Another thing is that of you have relationships with the bank previously, applying for a loan with not be too tedious as compared to opening an account with an online lender
Mejo mahal lang ng konti sa big 4 though... Loans.com.au offers 4.6% ata for a variable while the one I have cannot match it.
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!!
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
Google for Everything !!!
Posts: 1,074Member
Joined: Apr 17, 2013
Occupation: Software Engineer (ANZSCO Code 261313)
Main applicant : Husband
April 29, 2013 : ACS Skills assessment
July 22, 2013 : ACS assessment result
January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
January 12, 2013: Lodged EOI (65points)
January 13, 2013: Invited to apply for visa 189
February 9, 2014: Lodged visa
March 1, 2014: Medicals at NHSI
March 6: email from CO requesting form 80 and hubby's NBI Clearance
March 25, 2014: visa grant. Thank you lord
June 8,2014: Hubby arrived in Sydney
Sept 11,2014: Hubby's first day of work. Thank you Lord!
Feb 7, 2015 : Baby and I arrived in Sydney
April 13, 2015: My first day of work
Posts: 4,336Member
Joined: Feb 24, 2011
Looking at Allianz; good name and they have good reputation as well. Not to mention, they are one of the cheapest amongst those that I have inquired so far.
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!!