Have you read books by Margaret Lomas. If not then I suggest you start there. They cover the type of structure you are seeking.
Given your position I would also look at her company Destiny for a mentor role.
I have met with them and got a few ideas about strategy structure etc. And I am considering joining them in the future given the unbiased…[Read more]

Thanks Richard and Terry,

I have done the calcs based on my wife selling her share to me and the interest deductions would be about $10k per annum but cost $12k in stamp duty.Therefore would save money a little after 12 months.

I have not looked into a trust structure because my understanding is that losses cannot be claimed against personal…[Read more]

Hi Terry,I am in a simliar position to Jo and I am wondering what you would suggest.My PPOR is valued at around $750k in the South West of WA and I have no debt attached to it. We own in joint namesI have 3 IP's all +ve geared that I financed at 100% ( around $2.3M total ) at the time of purchase, which have grown in value so I now have about 10-1…[Read more]

The decsiion to expand your portfolio is a personal one that depends on your end goal.  If you can afford to expand your portfolio and have done your research then go ahead and purchase another IP.  However, if  your are still unsure then I would put the $100k into an offset account attached to one  or both negative geared properties in the mea…[Read more]

Hi there,I had a simliar problem a few years back with properties that were held in joint names with my wife. Our salaries were below the FTB thresholds. However, when the negative gearing was added on to our incomes then it put us over the limit and we had to pay back thousands. I argued that it was not fair and that we were just trying to get…[Read more]

Adam,
there are a number of risks in property just like any investment. Rather than trying to develop just one equation I find it much more powerful to set up a spreadsheet with all the known variables eg. Int rate, occupancy rate, rent, projected growth etc.
This is allows me to model the outcomes for different scenarios ie what if interest rates…[Read more]

I have just re-read Steve's book " From 0 to 260+ properties in 7 years" and I am also interested in how I can use a trust structure ( with corporate trustee ) to increase my borrowing ability. Chapter 9 pg 144-146.  Steve states that the key is to " carry the investment  debt as a guarantor rather than in your own name".  If anyone can shed so…[Read more]