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SyB stumbled upon a young mum with two toddlers and a large mortgage. Her job is to find out about everything that the banks are less keen for you to know and to tell you ALL about it!
Tag Archives: home loan
Kids AND a Mortgage – Is it Possible?
The US Department of Agriculture recently reported that the cost of raising a child born in 2008 to the age of 18 in a middle income family is about $291,570 (that’s factoring in inflation). Assuming that the typical Aussie family … Continue reading
How are Credit Unions and Building Societies Different to Banks?
One thing that credit unions and building societies have in common with banks is that they both offer home loans. You will find, however, that Credit unions and Building Societies typically have a lower standard variable rate than banks. In … Continue reading
Mortgage Brokers – How Can They Help and Do You Need One?
Getting a loan is not fun. It’s complicated and there is so much hoopla and so many seemingly futile questions/forms involved that I cannot imagine much else that is equally as frustrating (having to phone telecommunications companies is probably the … Continue reading
Newsflash – Genworth Gives Refund on Early House Sale Without Even Asking
A friend of mine recently sold his house. Like many of us, he’d bought and then not been able to keep up with the interest rate rises so he sold within 2 years of getting his loan which included a … Continue reading
Teaching Your Child How to Budget and Save Part Five of Saving Money For Your Kids
I have two boys and, as you know, a huge mortgage that I can barely keep up with. Despite this mortgage, Hubby and I were very keen to try and set up some sort of savings plan for our children … Continue reading
Posted in Account Management, Bank Fees, Bank Information, Budgeting Advice, Personal Finance, Saving Money For Your Kids, Teaching Your Children About Money, Tips on Saving, Understanding Banks
Tagged ANZ, BankWest, bankwest bonus saver, Bankwest Children's account, CBA, commbank, Commonwealth Bank, extra mortgage repayments, home loan, NAB, National Australia Bank, principal and interest, spank your bank, SyB, WBC, Westpac
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A Comparison of Children’s Savings Accounts Part Three of Saving Money For Your Kids
There is absolutely no point saving money for your child if you are not going to teach them about how to use it (link to other post). For this reason alone, it is a good idea to have a children’s … Continue reading
Posted in Account Management, Bank Fees, Bank Information, Budgeting Advice, Personal Finance, Saving Money For Your Kids, Teaching Your Children About Money, Tips on Saving, Understanding Banks
Tagged ANZ, bank, bank fees, banks, BankWest, bankwest bonus saver, budget, CBA, children's tax on income, children's tax on interest, Commonwealth Bank, comparing savings accounts, home loan, home loans, how to teach your kids about money, interest, NAB, National Australia Bank, pocket money, saving money for your kids, spank, SyB, tax, teach your kids about money, WBC, Westpac
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Starting Out In the Personal Banking World
Compound interest? What’s that? If you don’t know how to choose your first bank, then this post on personal banking is a great starting point to learn what you need to know. Continue reading
Posted in Account Management, Budgeting Advice, Financial Stress, General Discussion, Personal Finance, Tips on Saving, Understanding Banks
Tagged amex, ANZ, bank, bankcard, banks, big four banks, budget, CBA, Choice Magazine, choosing the right bank, Commonwealth Bank, compare bank products, compare banks, compound interest, credit, credit card, credit card comparison, credit card situation, debt, financial advice, financial difficulties, financial hardship, financial issues, financial service provider, first bank, first bank for children, getting a bank account, getting help with debt, help with budgeting, help with debt, home loan, home loans, how to choose a bank, interest, mortgage, NAB, personal banking, spank, spank your bank, starting a budget, SyB, WBC, Westpac
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Banks and Their Incestuous Puppet Show
National Nominees Ltd, a wholly owned subsidiary of National Australia Bank, is the Number Three shareholder for ANZ, CBA, WBC and itself. I think that a staged break-up where you’re sleeping with the enemy would be the perfect plot line for next week’s Days of Our Lives episode. Hmmm…. Continue reading
Posted in Bank Competition, Bank Information, Bank Ownership, Personal Finance, Understanding Banks, Unfair Banking
Tagged Adelaide Bank, ANZ, Aussie, Aussie Home Loans, australian banks, bank, bank advertising, bank competition, bank own, bank owner, bank ownership, banks, banks who owns who, BankWest, Bendigo Bank, big four banks, Break-Up, CBA, changing your lender, Choice Magazine, cogent nominees pty ltd, Comm Bank, Commonwealth Bank, competition between banks, credit union, customer relations, Days of Our Lives, financial sector, financial service provider, home loan, HSBC, interest, JP Morgan, JP Morgan Chase Co, major australian banks, major banks, Mark Bouris, NAB, NAB Break up, National Australia Bank, national nominees ltd, National Nominees pty ltd, newcastle permanent, perpetual, queensland investment corporation, Rams, rbc dexia, refinancing, shareholders, spank, spank your bank, St George, SyB, top 20 shareholders, top twenty shareholders, UBank, WBC, Westpac, who owns what bank, who owns which bank, Yellow Brick Road
10 Comments
A Little From the Bank’s Newsroom
Seen any good articles about the banks lately? I’m quite enjoying the Fin Review. I don’t quite have time to read all their articles (who does???), but I like their writing style. It seems to be a little less sensationalist … Continue reading
Posted in Bank Competition, Bank Information, General Discussion, In the News, Understanding Banks, Unfair Banking
Tagged afr, bank, CBA, changing your lender, Commonwealth Bank, customer relations, financial review, financial service provider, home loan, home loans, interest, lender, mortgage, refinancing, spank, spank your bank, sunday telegraph, SyB, WBC, Westpac
2 Comments
They May Work for a Money Making Institution. But it’s better Than Not Having a Job.
I don’t know about you, but I’ve noticed a serious push in customer relations with the banks since interest rates started to rise above the reserve bank’s increase. – At Westpac, you can now call your Bank Manager on a … Continue reading
Posted in Bank Information, Understanding Banks
Tagged ANZ, bank, CBA, Commonwealth Bank, customer relations, financial service provider, foreclosure, help with Lender's mortgage insurance, home loan, interest, Lender's Mortgage Insurance, LMI, mortgage, Mortgage Insurance, mortgagee sale, NAB, principal and interest, shortfall, spank, spank your bank, SyB, WBC, Westpac
5 Comments
Getting Information from the Banks is like Pulling teeth!
You make a bank enquiry, you rarely get a real answer. When will this change? Continue reading
Posted in Bank Information, Understanding Banks
Tagged bank, bank customer relations, bank enquiry, customer relations, financial service provider, foreclosure, fos, fsp, help with LMI, home loan, home loans, interest, Lender's Mortgage Insurance, LMI, mortgage, Mortgage Insurance, mortgagee sale, principal and interest, shortfall, spank, spank your bank, SyB
1 Comment
Mortgage Insurance – Sex, Lies and Deception (But without the Sex) part four – The end is nigh!
Well Folks… It’s actually here. The final part in our four part never ending saga. Who would have thought that we would eventually come to an end? I was certainly worried that it had vanished beyond the horizon line. Perhaps … Continue reading
Posted in Bank Information, Budgeting Advice, Home Loan Help, Lender's Mortgage Insurance, Mortgage Insurance, Personal Finance, Understanding Banks, Unfair Banking
Tagged bank, calculate lmi, capitalising LMI costs, financial service provider, foreclosure, fos, fsp, genworth financial mortgage insurance, help with Lender's mortgage insurance, help with LMI, home loan, home loans, interest, lender s mortgage insurance, lenders mortgage insurance formula, Lender’s Mortgage Insurance, LMI, lmi refund, mortgage, Mortgage Insurance, mortgagee sale, principal and interest, shortfall, spank, spank your bank, SyB
3 Comments
Mortgage Insurance – Sex, Lies and Deception (But without the Sex) part three
LMI is a completely unfair insurance! Continue reading
Posted in Bank Information, Home Loan Help, Lender's Mortgage Insurance, Mortgage Insurance, Understanding Banks, Unfair Banking
Tagged bank, calculate lmi, capitalising LMI costs, financial service provider, foreclosure, fos, fsp, genworth financial mortgage insurance, home loan, home loans, interest, lender s mortgage insurance, lenders mortgage insurance formula, Lender’s Mortgage Insurance, LMI, lmi refund, mortgage, Mortgage Insurance, mortgagee sale, predatory loan, principal and interest, shortfall, spank, spank your bank, SyB, unfair insurance, unfair insurance practices, unfair mortgage
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Mortgage Insurance – Sex, Lies and Deception (with a tiny bit of ‘sexy’ this time) part two
When you calculate LMI, what does it really cost you? Continue reading
Posted in Bank Information, Budgeting Advice, Home Loan Help, Lender's Mortgage Insurance, Mortgage Insurance, Personal Finance, Unfair Banking
Tagged bank, calculate lmi, foreclosure, genworth financial mortgage insurance, home loan, home loans, interest, lender s mortgage insurance, lenders mortgage insurance formula, Lender’s Mortgage Insurance, LMI, mortgage, Mortgage Insurance, mortgagee sale, shortfall, spank, spank your bank, SyB
1 Comment
Mortgage Insurance – Sex, Lies and Deception (But without the Sex) part one
When you calculate LMI, what does it really cost you? Continue reading
Posted in Bank Information, Budgeting Advice, Lender's Mortgage Insurance, Mortgage Insurance, Personal Finance, Understanding Banks, Unfair Banking
Tagged bank, calculate lmi, foreclosure, genworth financial mortgage insurance, home loan, home loans, interest, lender s mortgage insurance, Lender's Mortgage Insurance, lenders mortgage insurance formula, LMI, mortgage, Mortgage Insurance, mortgagee sale, shortfall, spank, spank your bank, SyB
9 Comments
An Introduction to the Spank your Bank Blog
Dear SpankYour Bankians, One thing you should know about me before we begin is that I am a Bank Spanker and I am proud of it! I’m actually friends with the guys who started SpankyourBank and when I heard about … Continue reading