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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 Siew, you are being provided figures and calculations without an understanding of your full situation, credit score & credit file worthiness and the figures you are being provided may not be correct as nobody has asked if your Centrelink income is a certain acceptable income and if the amount includes anything that a lender won't accept? Good Luck with your journey? Regards

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Siew

1 year ago

Hi Harry, do you mean we are entitled for stamp duty exemption for purchasing an existing home @450k?

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Harry

1 year ago

I used one of the most conservative bank calculators, unfortunately your borrowing capacity won't get much further above $350k under your current circumstances. With your deposit and the stamp duty rebate you're probably capped at a purchase price of $450k

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Siew

1 year ago

We are first home buyer. And looking for existing unit/apartment @500k++

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Harry

1 year ago

Hi Siew, as owner occupied based off figures provided - $345k over 30 years on a big 4 bank calc.

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Milan

1 year ago

Hi Siew, we'd need to go through more detail to provide you with any useful information. I could tell you a number but that could be wrong so until I have full detail I can not provide you with an accurate figure. Hence please feel free to inquire within my profile directly with myself to discuss and confirm any Q&A's you might have. Best wishes, Milan

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Glenn

1 year ago

Hi Siew, I hope you're well? Please get in contact through my broker profile link so we can discuss this information in private? I will need to know your full situation and then I can ascertain your borrowing capacity as different lenders have different lending policies and different borrowing capacities? Kindest Regards. Glenn

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Catherine

1 year ago

Hi Siew, without seeing your paperwork and using numbers from figures you have provided above- you could borrow around $250k to $300k. If this sounds a suitable amount for you- I'm happy to discuss further with you. Please click my photo to get to my profile. Thanks for your question. :)

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