David Sutantyo

Twelve Grains Capital

Sydney, NSW

English

12 posts

David SutantyoTwelve Grains Capital

Is it possible to shop outside of Australia for a home loan?

There might be lenders outside of Australia that would lend you (Australians) money to buy a property here as everyone knows real estate market in Australia is quite solid. But the question is.. why would you?

David SutantyoTwelve Grains Capital

Is there a rule on how frequently you should/can request a mortgage rate review?

There's no hard and fast rule. But every 12 months would be a healthy frequency. Most lenders will have "specials" happening all the time. One lender might be 0.1% cheaper today, but not tomorrow. What we've seen with rate-hunter clients of ours is that... more

David SutantyoTwelve Grains Capital

How do I choose a right home loan?

By determining what's important to you, e.g. is your goal to build equity to purchase another property, or do you want to pay the loan off ASAP, or do you aim for the same repayment every month to help with budgeting, etc. Mortgage brokers can help you by... more

David SutantyoTwelve Grains Capital

Can I buy a residential property from my SMSF?

Yes you can. But it'll strictly have to be for investment purpose, you can't live in it.

David SutantyoTwelve Grains Capital

Can you use first home owners grant as deposit?

Some banks would allow the grant to form part of deposit to be paid at settlement. That said, you'll need to show "genuine savings" if the LVR is >90%