MateI personally use and would recommend the PIA software…http://www.somersoft.com.au/software.htmThere are a few on line calculators that other people may be able to provide the links for, but i personally cannot comment on any of these.Matt 

Hi AdrianGreat news about you finding a bank loan fault in your favour. If you read the terms and conditions but, i believe that you will have to pay the $197…3. Where the 30 day Risk free Trial is selected, customers will only pay for shipping only at the time of the order. The full price of the software is payable in 30 days when the customer…[Read more]

Hi TerryIt's interesting that you hear in the media how the availabilty of finance is becoming more difficult, but the major banks will give you 95% LVR no problems with several of the small lenders moving back to 95% +  home loans…Matt 

Hi Buyseller.You can get 9% returns in the Tuggerah  Business Park, Central Coast…As many people have mentioned above, i would be very hesitant to buy commercial property in a town of 5000.Matt

You know what i find interesting'On the very same day, the very same paper printed an article talking about how rents in Sydney have increased and show no sign of slowing…http://smh.domain.com.au/real-estate-news/rents-leap-as-race-to-find-homes-intensifies-20100817-128lk.html?autostart=1Matt

Banker wrote:
However. If you offer 480k in writing, the vendor / agent can no longer advertise a 420-470k price range (it is now blatant under quoting which is illegal). They now have to adjust to 480k + or a range starting at 480k.

Hi Banker.The same applies in NSW.Matt

Hi Hinh1000This one could be a tough purchase…If the agent is any good at his job, he will already know what the fair market value of the property is, and how easily achievable that price is in the current market.The other thing that will potentially work against you, is that the agent can log onto RP Data and within about 30 seconds discover t…[Read more]

Hi Psaini09Your question unfortunately can't be easily answered as their are way too many variables…To name just a few, it depends on things like;* What are your long term goals* Do you have any major long term expenses forecast (Eg. 12 month O/S holiday, planned study period, change of career, desire to have kids etc)* How much do you have av…[Read more]

Yeah, it would be a very bold move to lift rates independant of the reserve.I do find it very interesting but that that they 'give notification to the general public' that it may occur within a very short time of announcing record profits.Is it a warning to the reserve, rather than a warning to the general public ? Or are they simply focused on e…[Read more]

Hi JmrThe broker you want to talk to, just answered your question…Matt

Geoff Corah from Peninusla Law (Woy Woy) would be a good place to start.Not sure what experience he has with wraps, but is very good with trust structures etc.http://www.peninsulalaw.com.au/index.htmlMatt

number 8 wrote:
Here's a thought, CBA make $5.6 Billion net profit(up 20% from last year), how is it that this can be good for us? what advice do they really give, and for who's benefit? My Mother and Father walk into CBA, should I feel scared that they will be sold products to help the bottom line or are the getting value for their dollar?…[Read more]

Hi JamesI'm not sure about the actual vacancy rate or letting times, but in Gosford (Central Coast) i have noticed that the average advertised rent for a 2 bed unit has increased about $20 in the last 6 months…Matt

brisbaneJosh wrote:
In terms of them getting their solicitor to draft a contract of sale do you know approximately how much this would cost?  I intend to put an offer in at a discount equivalent to the full cost of the agents fees but the owner may reject I on the basis that they would still have to pay extra solicitor costs.  I guess the up…[Read more]

Ok, the agent does not need to and most likely won't show you the vendors request in writing (they may not even have it in writing ! ) …   that comment was more so made as it is best practice for the agent to have the request for offers not to be submitted below X amount in writing to protect themselves. Eg. Otherwise if it all goes pear shapes…[Read more]

jksgoh wrote:
I have heard that the vendor can make a threshold, and if the offer is below this offer the real estate agent does not pass on the offer, is this true? i have read conflicting things about this. Currently, the real estate agent dealing with the property i am interested in has said the vendors are not considering offers under X…[Read more]

Hello Folks'Gotta love google…A non-recourse loan is a loan that is secured against a property, but does not hold the borrower personally liable for the loan. In a non-recourse loan, your lender can take your home for repayment, but cannot seize any asset besides the collateral. If you incur more debt than your home is worth, the lender simply…[Read more]

Hi JamesHave a look at the attached link as some free education on shares…http://www.lincolnindicators.com.au/Events/nsw?utm_source=email-invitation-vic&utm_medium=email&utm_content=button-link-top&utm_campaign=long-term-sharemarket-successPlease note, the idea of this session is ultimately for Stock Doctor to sell you their share market…[Read more]

jamesp33 wrote:
as you stated matt what kind of tafe courses do you recommend in being a begginer in investing?

Hey JamesBy Tafe course, i didn't necessarily a 'Tafe' course, but more so just a course that will give you the oppty to learn about your specific area of investment. Doesn't really matter who provides it…   just realise you don't n…[Read more]

Hey JamesWelcome to the forum mate…Being a property investment forum, you are going to get told about 101 different ways of making money through property.At your age mate, best advice is to attend a few seminars (there are heaps available for either no charge or under $100) on both property, shares and business. Read a few books on each of th…[Read more]