try fowles at narre warren for carpet. cheap comes in modern colours and i have had 2 tenants tell me how they love the carpet its so easy to keep clean. have had it one property for 51/2 years still looks good.

maybe have a chat to a good mortgage broker and see what they can do for you. but remember if one says no ask another

we almost got caught up in the hype through a company called domain charter group when we did our homework we found out we could buy land and build through any local builder at around 30 to 40 k less than they were charging us. we thought the interest we would have to pay on the loan for the land whilst the house was being built was nothing…[Read more]

we recently built a 4br 2 bath home with double garage. the decision was made after looking at what was available in the area. they were mostly 3br single garage some with ensuite some without. the area is a young family area so we figured most people would have 2 cars. with our house the only available with  double garage there would be l…[Read more]

Qlds007 wrote:
DebraWow straight out of the blocks and on that high horse.1) they only charge to become members not for refinancing – I rest my case.2) we have put 5 of our propertys into one line of credit split so that every 12 months we can revalue and take the excess to deposit on another property. to refinance 5 propertys every year to gain…[Read more]

Qlds007 wrote:
You bet they suggest you cross collateralise your loans together as once you are deep in with one lender or broker it is very difficult to get out and release securities.Why would you pay for something the average broker does for nothing especially as half their consultants probably dont have more than a couple of properties in…[Read more]

we have recently been to destiny and refinanced at no cost. they only charge to become members not for refinancing. we have put 5 of our propertys into one line of credit split so that every 12 months we can revalue and take the excess to deposit on another property. to refinance 5 propertys every year to gain 20k from each property would just…[Read more]

i'm interested to know about spiro kladis too