In general there is less supply issues due to the nature that you can’t put 100 of them in a 1000sqm plot of land, but they still can have supply issues if the development rules are relaxed in allowing large amounts to be built in a suburb which can cause poor value increases.

The supply equation favours: Houses (in established areas)> townhouses > apartments – houses being the most favourable.

Prime = top quality. Ie full income verification, leases with 1+ years on them, quality commercial property (not a run down petrol station in Timbuktu).

Might be worth looking at the interest rates in terms of commercial lending – this has come down heavily in recent times with commercial rates as low as the low 4’s right now for prime deals, up to the mid 5’s for the more out of the box scenarios. We’ve been knocking through a lot of a commercial product for 4.29% for deals which tick all the right boxes for the lender.

Are you referring to the lender Loans.com.au, or a brokerage?

Definitely check with a house mover – I’d be very interested to hear how they can move a transportable house to the rear – ie whether they’re rated as safe for overhead crane use. If this is an old fibro/queenslander style house I’d be surprised if it can be pulled off without gaining access to the rear somehow.

Easy – one of you are wrong! :)

Treatment of debt, add backs etc all can make huge swings in capacity.

You’re confusing deposit requirements with borrowing capacity. The amount of equity you have does not change how much you can borrow, it is related to how much deposit funds you can make available for a purchase. In short:

Borrowing Capacity: How much debt can you afford based on your current income and expenditure
Equity: How much cash/equity can you release to provide as a deposit for a purchase

In terms of equity, Australian banks won’t lend against UK security, you would need to engage a UK based bank to do this.

Yes definitely – there’s a number of options in the commercial space which would allow you to be able to buy even though you’re in a new commission role.

Negative gearing in it’s current form helps soften the blow of losses somewhat – but you’re still making a loss. No point trying to make a loss just to try get some tax back, you’re still worse off.

The exception is if its non realisable ongoing losses – ie depreciation, but Benny has highlighted the most important point: don’t chase deductions for the sake of deductions – instead find a strong investment strategy which helps grow your assets and wealth, tax effective deductions is just the icing on the cake. Overall depreciation via new builds can be a useful tool, but you will want to balance this against the supply/demand equation which drives property growth. No point buying a new apartment in an area getting 100’s of new apartments each year, or a house and land package in an estate with 100s of new houses being developed – you will just end up paying a premium and have future supply coming online to slow any potential equity growth.

Can’t comment on the actual company – but there are plenty of these groups around – Forsalebyowner etc. In the end its comparing apples with oranges, as it’s just listing the property on the internet, not exactly the same service as an agent who will be able to negotiate etc.

I’ve seen a few of these come up when buying properties – I even tried to buy one except the owner was hopeless and didn’t know what to do, how to negotiate etc. I checked on the data on the property a few months later and saw it didnt sell, instead withdrawn from sale. I like the old saying “think using a professional is expensive? Wait until you hire an amateur.“