So comfortable
Applied for a home loan through my broker (Who I can't thank enough) almost 12 months ago with Auswide Bank as a first time home owner. Success! I was almost officially ready to start building my first house. Found a block of land I loved so I purchased it and things we're going really smoothly. Next step was to find the right builder. Success! found a builder.To cut a long story short the builder went broke before they even started and I lost 5 months of time chasing my deposit back from the QBCC. During that time the home loan had lapsed and according the ASIC you have to re-apply after 3 months of not using the loan, which is annoying but that's the rules. I work in construction myself and have done since finishing high school, been a full-time employee on different contracts for around 19 years and never having too much time off in between contracts (Few months here or there, travelling etc). While I was in the process of finding a new builder and re-applying for the home loan my current full-time contract was ending. I ended up finding a new contract however it is only full-time on a "Casual" basis with the potential to go full-time in 3-6 months which was fine with me cause the work suited my lifestyle and it meant I had a great work / life balance. My broker had asked the bank if this was okay and they verbally said it shouldn't be a problem.Well.. That was a complete lie. They completely back-flipped and changed their mind stating my "casual" contract was a "concern" and that I needed to be employed at least 6 months on that casual contract before I could re-apply... Meanwhile I was already an existing customer that had already purchased land (while paying rates and making monthly repayments on principle and interest since June 2017) through this home loan. Not only that I had a 20% deposit for the loan (By myself mind you) with great savings in my accounts that if I was to have 12 months off I could afford to live and pay off the loan easily and still have money in my accounts.Anyway my broker has already found another bank who knows my situation and are more than happy to give me a loan and I have now started the process of telling ALL my friends, family, work colleagues and even complete strangers to stay away from Auswide Bank. Just for your information also their online banking is pretty subpar and basic. You can't download your own statements unless it's in QIF , DAT or CSV format which is absolutely pointless cause it has no "official" letterhead or anything with Auswide on it, so you've got to wait 3 months for paper statements or ring up and pay a fee for posted paper! It's 2018! who even does paper statements anymore? Wake up Auswide.
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Auswide Bank is an Australian Bank based in Brisbane, Queensland. Auswide Bank is located at 100 Eagle St, Brisbane City QLD 4000, Australia.
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