I need to know....

[Strawb]

Has sAdelaide changed much? I am heading over in June for a weekend away to watch Ice Hockey and wondering if there has been any big changes?

The pubs don't close at 6 any more.

good to know when I ain't drank alcohol since new years

[kickinit]

Ok thanks guys. Ill talk to the missus about it tonight.

We dont wanna be dicks to our landlords or real estate guys because they've been really good. But we also dont like how our house is set out. We have a brand new house, but it has no driveway and the carport is on the back of the house backing onto a laneway. Its a terrible setup.

tif your happy with the real estate company ask them what they have, never know they might be able to work something out for you.

[Failed Creation]

I've been talking with my wife about eventually buying our own place.

How much of a deposit etc is needed in order to make this happen?

[heater31]

I've been talking with my wife about eventually buying our own place.

How much of a deposit etc is needed in order to make this happen?

At one point banks were asking for a 20% deposit on the amount borrowed not sure if this is still the case

[whufc]

I've been talking with my wife about eventually buying our own place.

How much of a deposit etc is needed in order to make this happen?

Hickinbotham were doing a deal where you only need $5k in your bank for three months, there were obviously conditions on how much you could borrow etc etc, obviously you are borrowing a large percentage then but at least it's not dead money.

I'm not sure if that's still available

[toot toot]

I've been talking with my wife about eventually buying our own place.

How much of a deposit etc is needed in order to make this happen?

At one point banks were asking for a 20% deposit on the amount borrowed not sure if this is still the case

I think as interest rates have come down lending restrictions have eased a little. I don't think they'll ever go back to how they were pre GFC. Best thing to do is go and see your bank and ask. If either of your parents are in a position to go guarantor for you and the wife (basically if you default, they'll pay your mortgage) then that will give you more lending capacity.

[Squids]

I've been talking with my wife about eventually buying our own place.

How much of a deposit etc is needed in order to make this happen?

At one point banks were asking for a 20% deposit on the amount borrowed not sure if this is still the case

I think as interest rates have come down lending restrictions have eased a little. I don't think they'll ever go back to how they were pre GFC. Best thing to do is go and see your bank and ask. If either of your parents are in a position to go guarantor for you and the wife (basically if you default, they'll pay your mortgage) then that will give you more lending capacity.

Just make sure in any situation you can pay it back if you go down this path.

[Failed Creation]

I've been talking with my wife about eventually buying our own place.

How much of a deposit etc is needed in order to make this happen?

Hickinbotham were doing a deal where you only need $5k in your bank for three months, there were obviously conditions on how much you could borrow etc etc, obviously you are borrowing a large percentage then but at least it's not dead money.

I'm not sure if that's still available

Oh wow, I hope that still applies.

Coincidentally, we've been looking at packages through Hickinbotham. There's some reasonably priced homes at Reidsview, Penfield and Parafield Gardens, and we like them judging by the floorplans and illustrations.

[Failed Creation]

I've been talking with my wife about eventually buying our own place.

How much of a deposit etc is needed in order to make this happen?

At one point banks were asking for a 20% deposit on the amount borrowed not sure if this is still the case

I think as interest rates have come down lending restrictions have eased a little. I don't think they'll ever go back to how they were pre GFC. Best thing to do is go and see your bank and ask. If either of your parents are in a position to go guarantor for you and the wife (basically if you default, they'll pay your mortgage) then that will give you more lending capacity.

Just make sure in any situation you can pay it back if you go down this path.

That's a good call mate, I hope it works out for us. I'd like to own my own home one day, and start a family.

[Q.]

Save as big a deposit that you can. Shorter mortgage, less interest.

[Failed Creation]

Save as big a deposit that you can. Shorter mortgage, less interest.

Cheers mate, We're just trying to work out where we want to settle, and what kind of place would suit us. Then comes the hard part of saving for the deposit...

[Squids]

Get saving quick, big crash coming.

[Failed Creation]

Get saving quick, big crash coming.

For real? What makes you think that?

[Q.]

Get saving quick, big crash coming.

For real? What makes you think that?

No basis for it. Chicken littles have been running the line for years.

[Squids]

Get saving quick, big crash coming.

For real? What makes you think that?

No basis for it. Chicken littles have been running the line for years.

Oversupply
First home buyers are waiting for the crash
Borrowers are maxed out
Government is up s hit creek
Rising unemployment
Mining slowing
ROI stagnant due to the above

[whufc]

I've been talking with my wife about eventually buying our own place.

How much of a deposit etc is needed in order to make this happen?

Hickinbotham were doing a deal where you only need $5k in your bank for three months, there were obviously conditions on how much you could borrow etc etc, obviously you are borrowing a large percentage then but at least it's not dead money.

I'm not sure if that's still available

Oh wow, I hope that still applies.

Coincidentally, we've been looking at packages through Hickinbotham. There's some reasonably priced homes at Reidsview, Penfield and Parafield Gardens, and we like them judging by the floorplans and illustrations.

As Q, said save as a big a deposit as you can less you have to borrow, if though its your only way into the buying marking then seriously consider.

Also please see a finacial advisor before you take anyones advice on here.

[Failed Creation]

I've been talking with my wife about eventually buying our own place.

How much of a deposit etc is needed in order to make this happen?

Hickinbotham were doing a deal where you only need $5k in your bank for three months, there were obviously conditions on how much you could borrow etc etc, obviously you are borrowing a large percentage then but at least it's not dead money.

I'm not sure if that's still available

Oh wow, I hope that still applies.

Coincidentally, we've been looking at packages through Hickinbotham. There's some reasonably priced homes at Reidsview, Penfield and Parafield Gardens, and we like them judging by the floorplans and illustrations.

As Q, said save as a big a deposit as you can less you have to borrow, if though its your only way into the buying marking then seriously consider.

Also please see a finacial advisor before you take anyones advice on here.

Cheers mate, thanks for the input and honesty.

[Q.]

Get saving quick, big crash coming.

For real? What makes you think that?

No basis for it. Chicken littles have been running the line for years.

Oversupply
First home buyers are waiting for the crash
Borrowers are maxed out
Government is up s hit creek
Rising unemployment
Mining slowing
ROI stagnant due to the above

Crash would require a massive increase in unemployment (defying short and long term trends).

[Failed Creation]

All things considered, where would be the best value area to live?

[whufc]

All things considered, where would be the best value area to live?

PM Centurian,

he has a 'pretty good' understanding of the real estate market in SA...................................................when his not getting evicted out of football games.