Hi Tony,When I was studying my for my real estate licence it clearly stated that any offer made to the agent must be passed on to the client irrespective of how ridiculous it may be.Legislation may have changed since then but that is my understanding.Maybe someone who else more knowledge on the topic may be able to elaborate.Kind regards,

Well the fixed rates have started dropping:5 Year Fixed seems to be were the biggest drops are at this stage:ANZ – 9.49% down to 8.99%CBA – 9.40% down to 9.15%NAB – 9.29% down to 9.09%Westpac – 9.39% down to 9.09%

Qlds007 wrote:
Hi EvanIf you are prepared to go as far as the North part of the Gold Coast I can certainly recommend an excellent property accountant.Steve Hodgkinson who is a partner at the Gold Business Group in Southport has been my Accountant for just over 12 years and is an expert on property.He can be contacted on 5532 2855.Tell him i…[Read more]

I wish your friend all the best with this but I wouldn't be touching it with a 6 foot pole.Maybe years ago when pyramids schemes were new and nobody knew much about them you could possibly make something, but these days everyone is far to sceptical to even think about joining.I'm sure there are a million better things your friend could do with…[Read more]

How many levels below you will you receive a commission from their sales from? " they keep telling stories how when you have 100's of people below you in the "pipeline", you will receive enough cash each month to stop working and be a millionaire like the people paraded on stage."Lets just say for arguments sake this is true. What happens when…[Read more]

Thanks for the link!

OSR wrote:
You and your spouse must not have previously held an interest in residential property in Australia on or after 1 July 2000 in which you or your spouse have resided (Ownership of an investment property after 1 July 2000 will not prevent you from obtaining the Grant provided you have NOT lived in the home)

I know for a fact that I asked the right question, and the professionals that I asked should have all been up-to-date on how this works to properly service their clients, thats why they are paid the big bucks!Just to clarify when I said case by case I didn't mean that they may be more leniant etc on different people I meant submit it and hope that…[Read more]

I think you will find that it will be a case by case basis. I have done what your are looking to do, purchased an investment property through a trust. I have received numerous different answers from different professionals (accounts, solicitors etc) all came back with a different answer. When it comes time to apply for the FHOG you will know then…[Read more]

Simply put, BANK is a four letter word. They are a necessary evil.Yes, I believe they have a lot to answer for, but what can we do about it?They will pleed innocence regardless of whatever anyone says, documents just disapear (apparently).If you want to make a formal complaint get into contact with the Credit Ombudsman: I hope that is of some…[Read more]

Hi KJ,Unfortunately this is a common game that the lenders will use hoping you will give up in the end. Depending on who you are moving from they have a bad habit of 'losing' documents. If you think about, your broker wouldn't be at fault as he won't get paid until this goes through, Suncorp won't be at fault as they want your business, that…[Read more]

Hi Angela,At a very rough guess I would say that you are currently with RAMS? I have had to help quite a few people in similar circumstances to your own.If you do need some help please feel free to email or call me as I would love to be of some assitance.Kind regards,

I personally can't see it ending anytime soon, as well it has been at that rate for quite a while now. It will certainly be interesting to see what happens.

At the moment LoDoc MAV pack is only 8.74% and you only need to borrow $250k.Food for thought.

MortgagePlus wrote:
LOL. Richard might have been a gardener in a past life. Batten down the 'hedges' must be a flash back of some kind. I believe the term you were looking for is 'Batten down the Hatches' , Rich. Anyway Angela, if you are looking for…[Read more]

Thanks for the reply Ben.Aussie and myself have a policy where we see each client face to face so that we can fully understand their needs, and offer them the best possible service. I am happy to help out clients that you have on the Gold Coast, what are you looking for in return?Kind regards,

Thanks for the reply Ben.Aussie and myself have a policy where we see each client face to face so that we can fully understand their needs, and offer them the best possible service. I am happy to help out clients that you have on the Gold Coast, what are you looking for in return?Kind regards,

Where are you located Ben?

Richard I think it was you who recommended him to me last year. I can also speak highly of his knowledge, he can't do enough to help you, and he knows what he is talking about.Definitely worth talking to.

Everyone has their own opinion on when the right time is to get into property. I believe anytime is a good time you just need to adjust your technique and what you should be looking for.There are a heap of bargins to be had as people are desperate to get out of the hot water. One of the guys here has a client with a contract for 75 days, that p…[Read more]

I'm finding that there are a lot of people who are in your situation with RAMS. By charging extremely high exit fees they are forcing most people to stay with them. Make sure you do complain to Ombudsman and the office of fair trading as what they are doing is a complete rort! Have a look around for different options you may save yourself in the…[Read more]

Can you describe the blocks a bit better? Size etc.If they are farming blocks then advertise in the 'Country Life' newspaper, you will find a lot of places from that area in there.