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HashChing is Australia’s first online marketplace allowing consumers to access great home loan deals without having to shop around. Completely FREE to consumers, HashChing connects you directly to verified mortgage brokers who can further negotiate a better rate from the lenders and save you time, hassle and money.

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Glenn

1 year ago

Hi Kamal, I hope you're well and thank you for your questions? Congratulations for being discharged as a bankrupt and now it's time to move ahead with your journey in life. Discharged bankrupts have to declare that they have been bankrupt and lenders will assess your situation based on the information at hand. There are questions you have to answer when applying for a loan if you have ever been in arrears in relation to a loan and if you have ever been declared bankrupt. You are on a register relating to bankruptcies and a lender has access to this register. so it is best to answer the question truthfully or you are deemed not disclosing correct information. The best thing to do is get in contact with an experienced broker and have us assess your situation and then you can be informed what your borrowing capacity is as there are a lot of factors to be taken into account when providing information forma broker's point of view or we are doing doing our job correctly. I have many clients I have helped in the present and in the past, who have credit issues or are in difficult situations financially and I can assist you with the correct information to try and achieve your goals of buying a home. A broker needs to have you complete a fact find or customer information form to cover all aspects of your unique financial situation to provide you the relevant information for your goals and to move forward. If you would like myself to help and to provide you with the information you need, please get n touch through my profile link and my service to you is free of charge? Kindest Regards. Glenn Rowan

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Girish

1 year ago

hi Kamal , I have worked on scenario's with discharge bankruptcy, have a panel of lenders who would be happy to provide finance based on your scenario . Rates are base don risk factor and LVR , I am happy to negotiate to get you the best deal , please do go through my profile for my contact details , I am happy to have a quick chat .

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Lou

1 year ago

Hey Kamal, The Bankruptcy will obviously add "risk" to the lender and your rate will be loaded accordingly. The final rate will also depend on the LVR (loan to value ratio) which will be determined when we know what value of property you are seeking. The servicing (thus the max loan) will depend on this rate - unfortunately all tied together. As such, it is very difficult for me or my peers to answer you with any real confidence without such details and reviewing your financial information. As my office in in RYDE and I am familiar with non-conforming loans, I welcome you to visit me during the day or call and I can make an appointment for an evening. With 20 min and a few questions and your answers, I may be able to give you an firmer answer.

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Milan

1 year ago

Hi Kamal, hope you're well. Thanks for your question and please note that this isn't easily calculated unless your full financials are visual. You are looking at the ball park figure of around $500,000 and probably more if all is right. Having said that I need your full situation before the exact figure can be worked out. It could be more or it could be less. The rates will depend on many other factors that can all be worked out if you like just click on my profile, make a request with me personally, and we'll work it out in about 15 minutes over the phone or in person. Best, Milan.

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Eddy

1 year ago

Hi Kamal, With annual income of almost $100k, you probably looking at $500k ish.. with rate under 4%. This is the ball park figure as I don't have your full financial details. If you want to pursue further, please don't hesitate to me by clicking on my profile. Good Luck.

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