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Experience on Home Loans

13

Comments

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @tasburrfoot so what were your consideration bat jan kyo sa melby? Naku c hubby sobrang nilalamig na sa sydney ngayon hehe though 1month plng nman sya so bka nag aadjust pa hehe flood prone ang brissy?eh galing naman kmi pinas so cgro naman wala n mas malala sa baha sa pinas haha umm insurance premium meaning yearly yun ang insurance?eh pag sa sydney o melby nsa magkano ang premium?
    chill kasi dito; unlike sa sydney na buzzing with activities. melbourne during saturdays is somehow dead which is to our liking naman. :)

    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!!

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @tasburrfoot so what were your consideration bat jan kyo sa melby? Naku c hubby sobrang nilalamig na sa sydney ngayon hehe though 1month plng nman sya so bka nag aadjust pa hehe flood prone ang brissy?eh galing naman kmi pinas so cgro naman wala n mas malala sa baha sa pinas haha umm insurance premium meaning yearly yun ang insurance?eh pag sa sydney o melby nsa magkano ang premium?
    chill kasi dito; unlike sa sydney na buzzing with activities. melbourne during saturdays is somehow dead which is to our liking naman. :)

    full house 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!!

  • rguez06rguez06 Melbourne
    Posts: 333Member
    Joined: Jan 07, 2013
    @tasburrfoot so what were your consideration bat jan kyo sa melby? Naku c hubby sobrang nilalamig na sa sydney ngayon hehe though 1month plng nman sya so bka nag aadjust pa hehe flood prone ang brissy?eh galing naman kmi pinas so cgro naman wala n mas malala sa baha sa pinas haha umm insurance premium meaning yearly yun ang insurance?eh pag sa sydney o melby nsa magkano ang premium?
    chill kasi dito; unlike sa sydney na buzzing with activities. melbourne during saturdays is somehow dead which is to our liking naman. :)

    full house insurance in melbourne for the property that we are looking at is pegged at around $800/year...
    Cool congrats boss @TasBurrfoot sana after a few months kami rin, nagtingin tingin kami ng mga display house along cranbourne north and berwick and grabe nakakagigil, mga bahay na tipong politiko and artista lang ang nakaka-afford satin. if you don't mind established na ba yung kukuhanin nyo or magpapabuild kayo? paUpdate kami boss how did your financing go and interest rate. Thanks!

    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!

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @tasburrfoot so what were your consideration bat jan kyo sa melby? Naku c hubby sobrang nilalamig na sa sydney ngayon hehe though 1month plng nman sya so bka nag aadjust pa hehe flood prone ang brissy?eh galing naman kmi pinas so cgro naman wala n mas malala sa baha sa pinas haha umm insurance premium meaning yearly yun ang insurance?eh pag sa sydney o melby nsa magkano ang premium?
    chill kasi dito; unlike sa sydney na buzzing with activities. melbourne during saturdays is somehow dead which is to our liking naman. :)

    full house insurance in melbourne for the property that we are looking at is pegged at around $800/year...
    Cool congrats boss @TasBurrfoot sana after a few months kami rin, nagtingin tingin kami ng mga display house along cranbourne north and berwick and grabe nakakagigil, mga bahay na tipong politiko and artista lang ang nakaka-afford satin. if you don't mind established na ba yung kukuhanin nyo or magpapabuild kayo? paUpdate kami boss how did your financing go and interest rate. Thanks!
    hello @rguez06 we shall be getting an establish home in the east... just slighly outside the yarra valley!

    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!!

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    @tasburrfoot grabe anlayo ng difference sa insurance ah. If sa melby mga anong suburb ang maganda to buy a house?

    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 :)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @tasburrfoot grabe anlayo ng difference sa insurance ah. If sa melby mga anong suburb ang maganda to buy a house?
    For me, the suburbs in the east are the nice ones... Nothing beats the leafy environment sa Eastern Suburbs, mahal nga lang talaga.

    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!!

  • rguez06rguez06 Melbourne
    Posts: 333Member
    Joined: Jan 07, 2013
    @tasburrfoot grabe anlayo ng difference sa insurance ah. If sa melby mga anong suburb ang maganda to buy a house?
    For me, the suburbs in the east are the nice ones... Nothing beats the leafy environment sa Eastern Suburbs, mahal nga lang talaga.
    Agree with this, we're currently renting here in Surrey Hills and the environment is really nice, yun nga lang Million$ ang bahay dito if ever we decide to buy here it will be just a unit compared to a 4-5 bedroom house in the outer suburb i.e Cranbourne/Berwick for the same price.

    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!

  • lock_code2004lock_code2004 Perth
    Posts: 5,037Member, De-activated
    Joined: Feb 23, 2012
    every weekend nagtitingin tingin na rin ako.. nakaka-aliw ang daming maganda..
    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.. ;)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    every weekend nagtitingin tingin na rin ako.. nakaka-aliw ang daming maganda..
    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..
    Big decision indeed boss @lock_code2004 but at the end of the day, you can only hope that it is one decision that you will not regret... :)

    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!!

  • oz_monsteroz_monster Melbourne
    Posts: 27Member
    Joined: Jul 19, 2014
    @kremitz It depends on your budget. Remember, house prices on the south, east, south-east are more expensive. If you are looking for lower housing cost on those areas, you really have to go further away towards the outer suburbs and usually new land developments are happening on the outer suburbs.

    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!
  • rei_yarei_ya Melbourne
    Posts: 112Member
    Joined: Jan 30, 2013
    @lock_code2004 have you heard of Keystart? Dun ko balak mag loan once mag 6mos si hubby sa work (min. reqt yta). 1-2% DP, no LMI, pero medyo matagal dw processing..it could take 2months.. but i guess thats ok..plan ahead lang..

    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

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    finalised our loan last week... we will be fixing 50% of it and the other half will be floated. hopefully we can be able to make the most out of the offset account in the floated portion.

    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!!

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    by the way, all those who have current mortgage; you may want to fix your loan for 5yrs... less than 5% per annum na sa mga Big 4 banks!

    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!!

  • lock_code2004lock_code2004 Perth
    Posts: 5,037Member, De-activated
    Joined: Feb 23, 2012
    @lock_code2004 have you heard of Keystart? Dun ko balak mag loan once mag 6mos si hubby sa work (min. reqt yta). 1-2% DP, no LMI, pero medyo matagal dw processing..it could take 2months.. but i guess thats ok..plan ahead lang..

    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..
    as far as i know...may maximum salary reqt ang keystart... if you and your hubby is earning more than 80k/yr (combined household income).. then hindi ka pwede sa keystart...

    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.. ;)

  • lock_code2004lock_code2004 Perth
    Posts: 5,037Member, De-activated
    Joined: Feb 23, 2012
    by the way, all those who have current mortgage; you may want to fix your loan for 5yrs... less than 5% per annum na sa mga Big 4 banks!

    with interest not expected to go lower, it may be time to look into this.
    wow.. congrats sir..
    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.. ;)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    by the way, all those who have current mortgage; you may want to fix your loan for 5yrs... less than 5% per annum na sa mga Big 4 banks!

    with interest not expected to go lower, it may be time to look into this.
    wow.. congrats sir..
    did you use a broker.. or you applied directly sa bank?
    Thanks boss...

    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!!

  • rei_yarei_ya Melbourne
    Posts: 112Member
    Joined: Jan 30, 2013
    @lock_code2004 , as per Keystart website, eto ang income limit:

    $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

  • rei_yarei_ya Melbourne
    Posts: 112Member
    Joined: Jan 30, 2013
    @TasBurrfoot congrats po! i think after our visa grant, the next big thing is buying our own house.. keep posting po, pra makakuha kmi ng tips..

    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

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    @tasburrfoot umm can u give us an idea po like ilang percent ang down then ilang percent per annum ang intereset rate for fixed payment and after five yrs ilang percent na interest?

    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 :)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @tasburrfoot umm can u give us an idea po like ilang percent ang down then ilang percent per annum ang intereset rate for fixed payment and after five yrs ilang percent na interest?
    Ilang percent ang downpayment; pwede ata as low sa 5% of the house value - the catch is you will pay a loan mortgage insurance if you can't cough up with at least 20% DP. One time lang naman ito.

    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!!

  • lock_code2004lock_code2004 Perth
    Posts: 5,037Member, De-activated
    Joined: Feb 23, 2012
    @TasBurrfoot - so did you choose the property first, and then applied for financing...

    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.. ;)

  • lock_code2004lock_code2004 Perth
    Posts: 5,037Member, De-activated
    Joined: Feb 23, 2012
    @lock_code2004 , as per Keystart website, eto ang income limit:

    $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 ;)
    so kung may anak kayo mukhang sa Family limit na kayo papasok..

    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.. ;)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @TasBurrfoot - so did you choose the property first, and then applied for financing...

    or pre-approved loan first, then go property hunting?
    Boss @lock_code2004; we got a pre-approval first then we did a serious house hunting...

    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!!

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    @tasburrfoot yung interest rate depends ba on the amount of fixed payment or standard sya?ok na yang 4.9% ang baba na nyan :) roughly how much po ba ang loan mortgage insurance?

    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 :)

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    Whats the pros and cons if you'll go with th big four compared with other lenders?

    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 :)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    edited July 2014
    @tasburrfoot yung interest rate depends ba on the amount of fixed payment or standard sya?ok na yang 4.9% ang baba na nyan :) roughly how much po ba ang loan mortgage insurance?
    Ang rate mo is dependent on 2 factors namely how big is the loan you are taking out and how much is your DP compared to the value of your property.

    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!!

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    Whats the pros and cons if you'll go with th big four compared with other lenders?
    They all have their quirks...

    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!!

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    @TasBurrfoot - so did you choose the property first, and then applied for financing...

    or pre-approved loan first, then go property hunting?
    You need to have a pre approval, ito yung unang itatanong ng agent pag nag offer kayo ng price

    Google for Everything !!!

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    Ok thanks @tasburrfoot

    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 :)

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @JCsantos - where do you get your house and home content insurance?

    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!!

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