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I have equity in my home which I want to borrow against and
I have equity in my home which I want to borrow against and invest in a Colonial First State managed fund, how do I set up to deduct the interest cost? if indeed that is possible Thanks … read more
John Melis
John Melis
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Bachelor's Degree
29,219 satisfied customers
We have sold our investment property are settling on 01/11.
We have sold our investment property are settling on 01/11. In discussions with our bank, NAB they asked the question has our circumstances changed? I told them I am now self employed. The next thing … read more
John Melis
John Melis
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Bachelor's Degree
29,219 satisfied customers
I have a banking question. I called Anz montage line
I called Anz montage line (19/8/19l)and booked an appointment with our local ANZ t(22/8/19) to talk about removing my husband's parents as guarantors on the loan ten years ago. This meeting went very well, so much so they didn't need my income as my husband's was enough to service the new loan. To our shock and surprise they knoked us back because they said we'd defaulted on our loan. Well this was entirely false and upon constantly hassling I've found out that the day after I called 20/8/19 a mysterious default had be put on our loan, even though the next schedule payment wasn't due until 23/8/19. After speaking to our local lender she said she was investigating why this happened. There was no reason for this payment to come at that time it is a standard regular payment from one anz account to another. It was however the reason we didn't get the loan, plus 3 recent payments (2 days on each one)on a credit card with 2500$ limit which was 42$ over drawn. Our loan is $282,350k and my husband earns $154,00k. It looks like to me the false late payment was put on after I booked as to ensure the loan was denied. What do think and what can I do. I have Shayne Elliot CEO email address, which he encourages people to contact him, any ideas. … read more
Leon
Leon
Solicitor
52,471 satisfied customers
I Stain brain and spinal cord injures my Mother who used her
I Stain brain and spinal cord injures my Mother who used her position of trust and duty of care .Took totally advantage of my situation.As well as my younger Brother who managed to take totally financ… read more
Leon
Leon
Solicitor
52,471 satisfied customers
In the process of discharging an investment property
In the process of discharging an investment property mortgage which we have owned for 10 years, it was discovered that we own the property outright and that in fact we have been paying a mortgage on t… read more
Leon
Leon
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52,471 satisfied customers
On the 12/10/2018 I was refinanced by another Bank. I had a
On the 12/10/2018 I was refinanced by another Bank … read more
Leon
Leon
Solicitor
52,471 satisfied customers
I have a $360k home loan with the CBA, with about $60k still
Hi, I have a $360k home loan with the CBA, with about $60k still owing. I have about $258k in my redraw, but have just been told by the bank that they will scale down my available redraw proportional … read more
Leon
Leon
Solicitor
52,471 satisfied customers
I have a sister who is financial hard ship. she war mums
I have a sister who is financial hard ship . she war mums carer. she recieved about $2000 per month providing care for our mum. mum has passed on she was given a anz loan an owes $ 16000.. now her pen… read more
Daniel
Daniel
Solicitor
Bachelor's Degree / Graduate Diploma
7,659 satisfied customers
We have a son who suffers Mental Illness. He has had a car
We have a son who suffers Mental Illness. He has had a car loan for at least one year. We as parents thought that we had Guaranteed this loan. he has always paid his bills. However, for some reason he… read more
John Melis
John Melis
Lawyer
Bachelor's Degree
29,219 satisfied customers
The ANZ Bank is refusing to process the discharge of a
The ANZ Bank is refusing to process the discharge of a mortgage as part of a guarantee on an existing property even though they have accepted correct papers and that it is clear to be discharged. … read more
Leon
Leon
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52,471 satisfied customers
I spoke with my bank today about the best interest rate they
I spoke with my bank today about the best interest rate they could offer us for our home loan and in the process I found out that over the last 9yrs they have had our loan down as a investment property loan and have been charging us at investment property rates instead of owner occupied. This house has never been an investment We have always lived in this house from date of purchase … read more
Leon
Leon
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52,471 satisfied customers
I act for a relation (Trevor) who was approached by his son
I act for a relation (Trevor) who was approached by his son to be a guarantor for a Loan from the ANZ bank. Trevor at that time was 79 years of age. He does not enjoy good health however took the to a local (country ) lawyer as required by the ANZ Banks papers. No doubt his son was very positive about the business which he was providing the Guarantee for. If there had been a financial examination it would have been discovered that the loan was being granted to provide rescue finance. … read more
Leon
Leon
Solicitor
52,471 satisfied customers
My son recently started a new job. I had to fill in a form
Hi, My son recently started a new job. I had to fill in a form giving his bank account details. I accidently put the wrong BSB and account number. … read more
John Melis
John Melis
Lawyer
Bachelor's Degree
29,219 satisfied customers
We would just like to get your advice/direction on how to
Hi. We would just like to get your advice/direction on how to proceed further with this. … read more
Leon
Leon
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52,471 satisfied customers
I recently married (July last year) and have one apartmemt
I recently married (July last year) and have one apartmemt in my maiden name and another apartment jointly owned between myself and my now husband that we purchase prior to getting married that is als… read more
Daniel
Daniel
Solicitor
Bachelor's Degree / Graduate Diploma
7,659 satisfied customers
My ex husband is paying the mortgage on my house and has been
My ex husband is paying the mortgage on my house and has been since purchase jul 2011, however my partner's name is XXXXX XXXXX title deed and mortgage documents (my ex couldnnt secure finance at time… read more
Leon
Leon
Solicitor
52,471 satisfied customers
I am not a business or company, but discovered through my solictor
I am not a business or company, but discovered through my solictor and that my bank manager gave us a business residential loan instead of a normal residential loan. The purpose of the house was to be… read more
Leon
Leon
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52,471 satisfied customers
My question is in relation to a term deposit I had with ANZ.
My question is in relation to a term deposit I had with ANZ. The amount invested was $600,000.00 and I also had another smaller term deposit with ANZ of approx $56,000.00 plus other operating accounts… read more
Leon
Leon
Solicitor
52,471 satisfied customers

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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