Pretty normal for them to deflect blame – it’s very common for the settlement teams to just plonk the funds anywhere. Generally not the end of the world and can be resolved – just a little tedious.

There’s definitely lenders out there who will work with people where a partner is on maternity leave. Depending on your servicing will depend what’s the best option.

Mat leave has been an area where the lenders have improved in recent time with their policy – in general we need to have a letter from the employer stating a return date, hours of work when they return, how much they will earn etc.

If you have a cash buffer to help between that time to meet any needs, that goes into the mix of supporting your position.

There’s not real method – that’s crystal ball gazing.

You can look at previous stats, but what drove those previous gains may not happen again so it’s effectively just you taking a guess.

Apartments though, supply/demand equation is terrible for them everywhere in Australia as they are built more and more – so you could very well estimate a growth rate of 0%, or as has happened in some others capitals negative growth.

Plenty of potential options – some lenders will look at this situation more favourably than others.

Speak with an investment focused broker who can sort this out for you. There’s a wide variety of ways each lender calculates serviceability, it’s just a case of using the right one for the right deal.

What you do is draw a separate equity release against either the PPOR or investment property, interest only, offset account etc These released funds act as the deposit funds for the future purchase and any government charges.

When the future purchase is made, the remaining amount is then borrowed solely against the new property being purchased.

Get an investment focused broker to set this up for you and they can ensure it’s all done correctly and that the rest of your finance structure is appropriate – we knock this stuff through all day that it’s easy, but for an early investor it can be a bit more daunting. I’ve actually written an article on how to structure equity deposits previously here: http://www.precisionfunding.com.au/cash-or-equity-for-deposit/

Ensure you get this done NOW before making a purchase, so that the deposit funds can be ready and waiting when you need it.

https://www.dnrm.qld.gov.au/__data/assets/pdf_file/0007/369592/titles-registry-lodgement-fees-2016-2017.pdf

The fee calculation is noted here.

As per the registration fee, just another fee by the State government “just because”. They’ve got to find mechanisms to generate revenue somehow and sometimes its easier to trump up other fees than just ratcheting up stamp duty causing an uproar.

I’m assuming this transfer would be circa 1.6mil if thats the fee?

Looks like another place flogging off dual key properties in QLD – this kind of stuff has been around for a while and the numbers are always very optimistic.

Remember the important rule – if something sounds too good to be true, it probably is.

That doesn’t sound right – generally pre-strata’d properties are sold at a discount compared to if they were all on seperate titles.

Either they’ve got their numbers muddled, theres a misunderstanding or they have no clue what they’re doing!

Commercial has definitely less restrictions for non-residents than residential lending – and can allow you to access mainstream commercial products in comparison to residential lending where you’re having to use niche lender/products.

If you have sufficient capital for a deposit of 30-40%, you will get more cost effective and longer term facilities within the commercial lending space than resi at this time.

As Jamie has noted based on that estimate bank value it shouldn’t be that low as uncrossing loans generally reduces the facilities to 80% of the remaining security. If it’s not a high risk postcode of security (with some lenders things like apartments or multiple dwellings on one title can reduce the LVR allowable).