Andrew Wheatley
speaker
168 appearances
3 recordings
1 series
first heard Sep 2022
last heard Oct 2022
Andrew Wheatley’s voice in public audio — every appearance, attributed to the second.
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Appearances
Don't be afraid to get in there and get it.
And they said, have you been talking to the agent?
They said, oh yeah, we did talk to the agent.
No one's even looked at the property for the last three weeks.
They haven't had any offers on it.
And I was sort of taken aback and I said, oh, well, in that case, maybe get in and make a lower offer and put a finance clause in.
They came back the next day and the offer was accepted for $40,000 less than they'd told me they were thinking of offering with a three-week finance clause.
Amazing.
I could never have heard that a year ago.
Oh, that's so true, Craig.
We've mainly been talking here about borrowing power.
So there's two main things banks are looking at when you buy a property.
There's how much can you borrow?
That's based on your income and your expenses.
But then they're looking at what sort of deposit can you put down?
There's a real fixation around things like that you have to have a 20% deposit.
And somehow it's like everybody in Australia
keep saying how you should never pay mortgage insurance, like magically no one in Australia ever paid mortgage insurance, which clearly there's a lot of people who are stretching the truth there because there's no way everyone was paying 20% deposits unless their parents were kicking in a massive amount.
So understanding that there's about 12 different ways you can provide a deposit, everything from zero deposit by using family guarantees.
If you have family that own property, you can get in, like you can borrow the full purchase price plus the stamp duty, get into the market now instead of waiting, you know, two years to save up a deposit
Showing 141–160 of 168 · page 8 of 9
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