OHbaby! Forums : The man from the bank said.... https://www.ohbaby.co.nz/forum/ Copyright (c) 2006-2013 Web Wiz Forums - All Rights Reserved. Sat, 09 May 2026 16:59:05 +0000 Tue, 22 Apr 2008 20:41:53 +0000 http://blogs.law.harvard.edu/tech/rss Web Wiz Forums 12.05 360 https://www.ohbaby.co.nz/forum/RSS_post_feed.asp?TID=16559 <![CDATA[OHbaby! Forums]]> https://www.ohbaby.co.nz/forum/forum_images/web_wiz_forums.png https://www.ohbaby.co.nz/forum/ <![CDATA[The man from the bank said.... : BNZ are sucky!!! we changed from...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363497&title=the-man-from-the-bank-said#363497 Author: Bombshell
Subject: 16559
Posted: 22 April 2008 at 8:41pm

BNZ are sucky!!! we changed from them....national has been soooo much better and understand what we need etc....and not nearly as much in way of fees...

woohoo look forward to keeping up with the ttc journey you are about to embark on...oct isnt that far off!]]> Tue, 22 Apr 2008 20:41:53 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363497&title=the-man-from-the-bank-said#363497 <![CDATA[The man from the bank said.... : that&#039;s exactly why were waiting...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363479&title=the-man-from-the-bank-said#363479 Author: Two Blondinis
Subject: 16559
Posted: 22 April 2008 at 8:25pm

that's exactly why were waiting until October.

NZHL is similar to a revolving credit one, but you still have to ask to borrow more, they don't just let you get yourself into masses of debt.
We changed to NZHL because BNZ told us to borrow the market value of the house ($420k just to do up a kitchen and bathroom ) we only wanted $20k]]> Tue, 22 Apr 2008 20:25:16 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363479&title=the-man-from-the-bank-said#363479 <![CDATA[The man from the bank said.... : like the asb revolving credit...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363390&title=the-man-from-the-bank-said#363390 Author: Bombshell
Subject: 16559
Posted: 22 April 2008 at 7:26pm

like the asb revolving credit one....works well if you can budget - if you cant DO NOT do it! LOL!!!!

congrats....our bank man just tells us to hurry and sell so he can lend us more...UGH....

but great timing esp for DC too toni cause she will be eligible for 20 free hours if new baby after she is three too....much cheaper there too....]]> Tue, 22 Apr 2008 19:26:23 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363390&title=the-man-from-the-bank-said#363390 <![CDATA[The man from the bank said.... : jack_&_charli wrote:really!...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363380&title=the-man-from-the-bank-said#363380 Author: Two Blondinis
Subject: 16559
Posted: 22 April 2008 at 7:15pm

Originally posted by jack_&_charli jack_&_charli wrote:

really! we are on track to have ours paid off in 30yrs!!!
do they work that all your income goes on the mortgage and you have like a credit card that you use for buying stuff which comes out of the mortgage?

sorry toni....threadjack!


that's ok
I hope I explain this properly - It's like having one big account that everything goes into, as interest is calculated on a daily basis it looks as though you have paid off a lot more of your loan than you actually have, therefore you pay less interest. We have always used our credit card for everything, then paid the whole amount off at the end of the month, this is the same, so you only have one time a month that you dip into your account money. We time it so that the credit card gets paid off the day the wages go in.]]> Tue, 22 Apr 2008 19:15:50 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363380&title=the-man-from-the-bank-said#363380 <![CDATA[The man from the bank said.... : Thats so cool! We are with NZHL...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363038&title=the-man-from-the-bank-said#363038 Author: marielb
Subject: 16559
Posted: 22 April 2008 at 1:43pm

Thats so cool!

We are with NZHL too and they told us we could afford a new baby as well ]]> Tue, 22 Apr 2008 13:43:53 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363038&title=the-man-from-the-bank-said#363038 <![CDATA[The man from the bank said.... : Yay ]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363008&title=the-man-from-the-bank-said#363008 Author: Rachael21
Subject: 16559
Posted: 22 April 2008 at 1:24pm

Yay ]]> Tue, 22 Apr 2008 13:24:53 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363008&title=the-man-from-the-bank-said#363008 <![CDATA[The man from the bank said.... : Yay that is awesome news!!!! ]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363006&title=the-man-from-the-bank-said#363006 Author: Paws
Subject: 16559
Posted: 22 April 2008 at 1:23pm

Yay that is awesome news!!!! ]]> Tue, 22 Apr 2008 13:23:30 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=363006&title=the-man-from-the-bank-said#363006 <![CDATA[The man from the bank said.... : Woohoo! We the bank man! I am...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362819&title=the-man-from-the-bank-said#362819 Author: Maya
Subject: 16559
Posted: 22 April 2008 at 10:46am

Woohoo! We the bank man! I am so stoked for you guys!]]> Tue, 22 Apr 2008 10:46:42 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362819&title=the-man-from-the-bank-said#362819 <![CDATA[The man from the bank said.... : Yay congrats thats great news....]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362749&title=the-man-from-the-bank-said#362749 Author: hooper
Subject: 16559
Posted: 22 April 2008 at 9:50am

Yay congrats thats great news. ]]> Tue, 22 Apr 2008 09:50:53 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362749&title=the-man-from-the-bank-said#362749 <![CDATA[The man from the bank said.... : Vanessa, we are the same. Once...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362741&title=the-man-from-the-bank-said#362741 Author: kebakat
Subject: 16559
Posted: 22 April 2008 at 9:43am

Vanessa, we are the same. Once we are done with the kids thing then we will change ours to be paid off way faster but at the mo having a 30 yr mortgage is great when on one income!

Yay Toni! We will be ttc at the same time as you then]]> Tue, 22 Apr 2008 09:43:50 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362741&title=the-man-from-the-bank-said#362741 <![CDATA[The man from the bank said.... : really! we are on track to have...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362727&title=the-man-from-the-bank-said#362727 Author: jack_&_charli
Subject: 16559
Posted: 22 April 2008 at 9:35am

really! we are on track to have ours paid off in 30yrs!!!
do they work that all your income goes on the mortgage and you have like a credit card that you use for buying stuff which comes out of the mortgage?

sorry toni....threadjack! ]]> Tue, 22 Apr 2008 09:35:07 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362727&title=the-man-from-the-bank-said#362727 <![CDATA[The man from the bank said.... : Hey Vanessa we are with NZHL as...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362660&title=the-man-from-the-bank-said#362660 Author: Bel
Subject: 16559
Posted: 22 April 2008 at 8:57am

Hey Vanessa we are with NZHL as well and love it!! Well on track to pay ours off in about the same

Oh yeah, thats great news Toni!! ]]> Tue, 22 Apr 2008 08:57:35 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362660&title=the-man-from-the-bank-said#362660 <![CDATA[The man from the bank said.... : That&#039;s good news Toni! ]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362646&title=the-man-from-the-bank-said#362646 Author: .Mel
Subject: 16559
Posted: 22 April 2008 at 8:46am

That's good news Toni! ]]> Tue, 22 Apr 2008 08:46:12 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362646&title=the-man-from-the-bank-said#362646 <![CDATA[The man from the bank said.... : wow! 7yrs that&#039;s awesome!...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362644&title=the-man-from-the-bank-said#362644 Author: jack_&_charli
Subject: 16559
Posted: 22 April 2008 at 8:45am

wow! 7yrs that's awesome! our fixed rate ends in january and have been thinking of going to NZ home loans....would you recommend it toni?

thanks for fixing the ticker lol ]]> Tue, 22 Apr 2008 08:45:57 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362644&title=the-man-from-the-bank-said#362644 <![CDATA[The man from the bank said.... : YAY!!!! That&#039;s awesome news...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362602&title=the-man-from-the-bank-said#362602 Author: pepsi
Subject: 16559
Posted: 22 April 2008 at 7:50am

YAY!!!! That's awesome news Toni, I'm so happy for you!!!!

]]> Tue, 22 Apr 2008 07:50:05 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362602&title=the-man-from-the-bank-said#362602 <![CDATA[The man from the bank said.... : jack_&_charli wrote:so are...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362580&title=the-man-from-the-bank-said#362580 Author: Two Blondinis
Subject: 16559
Posted: 21 April 2008 at 11:16pm

Originally posted by jack_&_charli jack_&_charli wrote:

so are you TTC now or in october? just confused because of the new ticker


Updated just for you Vanessa

Bobbie - we're with NZ Home Loans so the lovely man came over tonight and we had a play around with the figures Our options were to either borrow $50k (you only pay interest on that when/if you use it) or get a lodger. At first I was all for borrowing more against the house, but the whole reason we're with NZHL is to pay off our home loan faster. With the extra cash from the rent we're still on track to be home loan free in 7 years ]]> Mon, 21 Apr 2008 23:16:51 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362580&title=the-man-from-the-bank-said#362580 <![CDATA[The man from the bank said.... : How exciting! Where&#039;s the...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362567&title=the-man-from-the-bank-said#362567 Author: Bobbie
Subject: 16559
Posted: 21 April 2008 at 10:33pm

How exciting!
Where's the form I fill in to find out if I too can afford another one? ]]> Mon, 21 Apr 2008 22:33:23 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362567&title=the-man-from-the-bank-said#362567 <![CDATA[The man from the bank said.... : so are you TTC now or in october?...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362564&title=the-man-from-the-bank-said#362564 Author: jack_&_charli
Subject: 16559
Posted: 21 April 2008 at 10:28pm

so are you TTC now or in october? just confused because of the new ticker

how exciting for you and DH!!!!! i hope it's a brief TTC journey ]]> Mon, 21 Apr 2008 22:28:59 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362564&title=the-man-from-the-bank-said#362564 <![CDATA[The man from the bank said.... : Thanks Becks ]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362561&title=the-man-from-the-bank-said#362561 Author: Two Blondinis
Subject: 16559
Posted: 21 April 2008 at 10:22pm

Thanks Becks ]]> Mon, 21 Apr 2008 22:22:34 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362561&title=the-man-from-the-bank-said#362561 <![CDATA[The man from the bank said.... : Yay that is great news Toni, best...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362559&title=the-man-from-the-bank-said#362559 Author: mummy_becks
Subject: 16559
Posted: 21 April 2008 at 10:21pm

Yay that is great news Toni, best of luck for October.

]]> Mon, 21 Apr 2008 22:21:26 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362559&title=the-man-from-the-bank-said#362559 <![CDATA[The man from the bank said.... : YES - you can afford another baby!!!!!! So...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362557&title=the-man-from-the-bank-said#362557 Author: Two Blondinis
Subject: 16559
Posted: 21 April 2008 at 10:17pm

YES - you can afford another baby!!!!!!
So that means in October we are 100% TTC

I was so happy I nearly cried

Only thing is that because #2 will be in daycare from 4 months (unavoidable) we can't do it without a lodger staying with us for about 2 years. A small price to pay I reckon!

Now I just have to hope we can actually get pregnant as Fertility Friend still says I haven't ovulated even though I have all the signs (except for the temps) say that my body is trying to or has already ]]> Mon, 21 Apr 2008 22:17:54 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=16559&PID=362557&title=the-man-from-the-bank-said#362557