Hello, u can use a "property investment trust" where ur able to use your negative gearing to capitalise on your marginal income tax. This trust is unique and new. Hope this helps?

Great comments from Vesson. Hang in there and dont be too disheartened,  be patient and let your properties  work for u, not u work for the properties.

Dont limit yourself on other peoples wisdom or vision 'Banks,Morgage Brokers', keep looking for the right people with the right attitude.  

Hi there, congrats to your awesome portfolio. Just a short note on 'Cross Collaterilisation' never ever Cross Coll with any more properties, this is securitiy for the bank and less flexibility for you.

If your bank don't like it then terminate your relationship with the bank and take your business else where, his loss and someone elses gain. I'll prefer a morgage broker with experience in investments etc……………..see Qld007 ' Aka, Richard Taylor'

Keep up the great work with your portfolio

Yeah, that's a great idea. That's why i was trying to explain capital and exponential growth, thanx for the comment

I do understand that but, ur using someone else's "money", not yours, someone elses . I cant see where you have lost out on this transaction, 60-40% ratio is pretty good.

Whats happening here is people are forgetting, from the start, the "money" wasn't yours to begin with. U have to be happy with a 60-40% "money" ratio?

Now! For u to benefit from this using their "money" you must, hold on to the property and capatilize on
"capital" and "exponential growth"…………if your plan is to invest in more properties,this is the key element. If u sell early then you maybe selling yourself short of the mark.

Look forward to your positive feedback.

Hi Elka

Thanku for your positive feedback and i do understand what ur saying. What I’m trying to say is, ur using someone elses money, not yours, someone elses.

Lets say the Equity Finance Company asked for 40% of capital gains, u still come out on top with 60% if u decide to sell, i think 40% of your cg is a small price to pay when youve used their money to make a 60% profit for yourself.

To be honest, i would not sell my property and what i would gain from this is capital and exponential growth.

The Company I’m refering to is called,
Equity Finance Morgage,Milson Point, NSW. You can contact them on 1300 720 110 or 02 9466 8200.

Their are some criteria u must qualify for.

Have u thought about putting 20% deposit into a 100% offset account to counter any interest rates from the loan and, to use equity finance company to invest 20% of the deposit into the loan thus leaving u with a deposit of 5% towards your loan. The lender will top the loan up to 100% and the repayments will be low, inthe end ur only using 5% of your own money and saving on interest rates. I know it soundz like your money is going around but, its actually offsetting towards your interest rate. Have u also thought about a line of credit, this will counter your interest rates as well. If your not sure about this, ask your broker.

Do a valuation on the apartment, no doubt there will be some equity. Pay half of what it is worth now and change titles to his brothers name.

Hi there, why dont u ask the tenant if he is interested in a rent to buy. Therefore, he pays for the service of the investment as well as buying it. The investment remains under your title until full repayments have been met. It may give you more options and time opportunity.