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  • Profile photo of gammonbrusgammonbrus
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    August 29, 2013 - 6:18 am

    Hey mate, its not an attempt to beat creditors lol. 

    Profile photo of gammonbrusgammonbrus
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    August 28, 2013 - 3:07 pm

    Does that mean that a living trust will get the property out of my name and possession, as that is the only thing I really am interested,

    thanks

    Profile photo of gammonbrusgammonbrus
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    August 28, 2013 - 11:16 am

    Thanks for the reply. I require absolute seperation, and dont mind what the costs are. What do you think could provide this?

    cheers

    Profile photo of gammonbrusgammonbrus
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    May 11, 2013 - 1:17 am

    Thanks Pagey all sorted now.

    How do I close thread.

    Profile photo of gammonbrusgammonbrus
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    April 8, 2012 - 3:16 am

    Can I just point out to everyone that I was not looking for advice, I wanted to find a template. I appreciate the advice, but I wasn’t asking for it.
    thanks.

    Profile photo of gammonbrusgammonbrus
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    April 8, 2012 - 3:15 am

    Hi Terry.

    Yes I understand and appreciate your comments but what I was asking was if there was a template, or something I HAVE to do myself. keiko pointed out that it can be done with a template and this is exactly what Im looking for mate. No offence mate, and besides you always provide very very useful advice and a forum without people like you is pointless.

    Profile photo of gammonbrusgammonbrus
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    April 7, 2012 - 1:24 pm

    thanks keiko, you understood exactly what I am asking rather than trying to convince me or not trying to do it. I have checked out the contract on reiq, looks great. The one for ACT will be similar, will pick up a kit over the next few days.

    Profile photo of gammonbrusgammonbrus
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    April 4, 2012 - 10:37 pm

    Hi Victoria,

    whats the price on your guy for doing a contract for sale draw up?

    Profile photo of gammonbrusgammonbrus
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    April 4, 2012 - 9:15 am

    Update.

    Spoke to someone today who works at ACT law society, and she put me in contact with someone. It turns out they sell kits, which it basically a do it yourself arrangement.

    Just thought i’d share for anyone else who may be interested.

    Profile photo of gammonbrusgammonbrus
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    April 4, 2012 - 12:09 am

    Lol the back of an envelope.

    Profile photo of gammonbrusgammonbrus
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    April 3, 2012 - 9:14 am

    Im really looking to see if this can be done with a template, or does it require a solicitor – no option?

    Profile photo of gammonbrusgammonbrus
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    April 1, 2012 - 8:35 am

    Hi Nathan,

    This helps more than words can explain.

    And so fast, really appreciate it mate. thanks

    Profile photo of gammonbrusgammonbrus
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    January 23, 2012 - 9:28 pm

    Exactly as Michael states above.

    Wow I didn’t realise that interest made such a high proportion of the initial period of the loan, outstanding.

    I regret the future when i need to get a $450k loan on 7.5%, would you even be paying any principle on the first few years on a loan like that. Makes you think, its better off to save cash and buy a house outright… Although obviously house prices would be higher by that time, then again would it be as much increased as you pay in interest?

    interesting.

    Profile photo of gammonbrusgammonbrus
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    January 23, 2012 - 11:23 am

    Does anyone know if these calculation seems correct?

    I know there is someone smart enough to know how to do the maths, but it just aint me.

    Profile photo of gammonbrusgammonbrus
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    January 23, 2012 - 10:02 am

    Ill inbox you richard.

    Ta

    Profile photo of gammonbrusgammonbrus
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    January 23, 2012 - 9:18 am

    Hi Richard,

    Much appreciated reply.

    There is no offset account first of all, I don’t have the ability.

    Apparently the interest in charged daily and added monthly, but looking at the statement it shows the interested was added as a lump sum at the end of the six month period, so it looks great my loan was going down and then all of a sudden bam a lump sum interest amount of over $3000 as above, was added.

    What other variables would you need, I really need to get this sorted BEFORE i go to see lender as they are pretty hard to deal with to say the least thats why i am posting here.

    Also why do you think it is not 4,5% is there a calculation error? I am assured it is 4.5% and besides the monthly repayments are correct when I use an online calculator at 4.5%, over 20 years at loan amount of $168,000 but I still feel that you are right and something doesn’t add up here.

    Thanks again.

    Profile photo of gammonbrusgammonbrus
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    January 23, 2012 - 6:40 am

    Sorry just another thing.

    So this looks like for every $265.00 per week I pay, only $96.68 per week is literally taken off my principle amount?

    Is that correct, that seems very unusual doesn’t it?

    Profile photo of gammonbrusgammonbrus
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    December 9, 2011 - 11:46 am

    Hey tools I was actually targeting my response at Scott, but thanks.

    And no Richard Taylor from Tayloredfinancialsolutions I don’t have any building experience what are you goin on about

    Profile photo of gammonbrusgammonbrus
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    December 9, 2011 - 7:21 am

    The state of optimism clearly.

    Profile photo of gammonbrusgammonbrus
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    December 1, 2011 - 10:03 am

    Well good to know bout the finance side of things, so thanks.

    Anyone actually done owner building themselves and not ‘in the trade’ ? People I work with seem to be saving heaps so just looking to tap into that positivity.

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