Tuesday, June 14, 2011

Nothing to see here, move along...

Not much happened on the home front in the last month or two. Kresta finally showed up to replace the 2 blinds that fell down immediately after they first installed them. One of them is fine, the other one in the master bedroom... well, it's the wrong colour. So yet again, another 3-99 week wait for the correct item to show up.

Also got a call from a new service manager at Metricon, who has taken over the last service manager's job (he quit, or something). Anyway... he says he'll chase up the issue of correcting our crooked cavity doorframe. Not holding my breath, I mean - we've only been in our house about 9 months now.

Most recently, a good article in the The Age about changing your mortgage lender. I believe that 99% of mortgage holders probably spend more time trying to save 2c/litre on petrol, than tens of thousands of dollars on your home loan. If you've got a loan with one of the big 4 banks, seriously - read the article in that link, then call your bank or broker tomorrow and get out of your overpriced home loan.

The arguments that used to apply to changing home loans mostly don't apply anymore. Banks aren't allowed to charge punitive exit fees (ie ridiculously enormous, made-up sums to stop you switching your loan). Sure, you might have to go through the rigmarole of providing paperwork if you're changing a lender, but doesn't saving $69,000 in interest payments and/or years off your average home loan make it worth your while? And if you've got a bigger than average mortgage, you'll save even more.

And if you're too lazy, and/or stupid, and/or ignorant to be bothered trying to get the best deal on your home loan, well - it's your life and your money to waste as you will. Excuse the grumpiness, bad case of post-snowboarding muscle pains.


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