Hi Samelma
Dont give up, have you had a look this thread?
https://www.propertyinvesting.com/forum/topic.asp?TOPIC_ID=5937
Minimogol has been kind enough to share these with the rest of the forum, Good Luck.
Kind Regards
Steven.

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

Hi Davidb,
below is a link to DaleGs web site
http://www.gatherumgoss.com

and another link below to a paper written by Chris Batten,
http://www.strategicwealth.com.au/documents/5Reasons.pdf
Kind Regards
Steven

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

Hi John,
The criteria for choosing which lender to apply for funds will depend on a number of factors,
What income some lenders will except for assessing serviceability, another lender may not except,
Income from rent, Your deposit amount (LVR), where your IP is situated (post code) are just some of the factors to be considered when applying for a…[Read more]

Hi itsamoorey,
You asked if Mortgage Brokers are worth the money?
Most Mortgage brokers do not charge their clients a fee for their service,
Myself and I suspect the other brokers who post regularly on this forum, are paid a fee from the lenders/Banks,
Kind Regards Steven,
P.S Are you a Dean Martin…[Read more]

Hi Freedom,
It was nice to meet and chat with you and Mrs Freedom, and all that were there on the night.
Kind Regards
Steven.

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

Hi Alexander
Have you seen these?
http://www.noagentproperty.com.au/index.asp

http://www.australiarealty.com/
Kind Regards
Steven

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

Hi Kat,
Never give the banks more security than is necessary,
ANZ and StGeorge also offer a decent Pro Pack
Regards
Steven

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

SNAP,Re Xcoll
Mel and Simon,[]

RugbyFan,
Can I recomend you contact Simon or Mel from this forum, I am in VIC, But Simon and Mel are up your way so to speak, Both will steer you in the right direction,
Kind Regards
Steven

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

Hi Rob,
Well I can highly recommend Dale G,
He is based in Melbourne, here is a link to his web site,
http://www.gatherumgoss.com
Kind Regards
Steven

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

Hi RugbyFan,
I am allways willing to help anyone,
give me a call or e-mail anytime.
Kind Regards
Steven.

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

Excuse my ignorance but does everyone who is on these boards and have purchased positive cash flow property either:

1. find property with 20% yields or better
2. Have no mortage on their PPoR
3. Have a lazy $5,000 – $20,000 lying around to use as a deposit.

If 1, then lucky them, I will have to look harder. If 2, then good on them, we will be…[Read more]

Hi Kyl_37,
If I understand you correctly, I am not sure if what you are planning to do is the best option,
You say you will refinance on a 30Year term, fixed for Five years,
But you plan on paying down the loan at a faster rate,
And you are using your own funds to purchase the 2nd IP

Some things to consider:
If you fix there may be penalties for…[Read more]

A client of mine (here in Victoria) was told by the R,Agent not to bother putting down a deposit,
However, I strongly advised her to put a deposit down, better to be safe than sorry.[]
regards Steven

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

quote:
When making an offer on a property, written or verbal, do you pay your deposit then or when the offer is accepted?
Cheers TP

Hi TP,
If your offer is accepted by the vendor you may be required to put down a small deposit,
Two or Five hundred,

It is advisable to have some conditions attached to the offer, eg: Subject to finance, Building &…[Read more]

I would also like to add a big thank you to Dale and DaisyGirl for a very informative and enjoyable night,
I have always found Dale to be most generous in giving his time and valuable advice for those that seek it,
It was also great to catch up and put some faces to the names here,and have a chat,
Thanks again DaisyGirl and Dale
Regards…[Read more]

Hi BigBen,
If the debt on your PPR is causing you to have sleepless nights, Maybe a fixed rate will help ease your concern,
Or the use of an offset facility to pay down your PPR debt at a faster rate may be another option,
Kind Regards
Steven.

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

Hi Redwing,
I,O loans on IPs, now I see why,[] well done,

Regards Steven.

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

HI John,
Can you post or e-mail to me more information,
income,debt,current loans,equity, ect.
There may be a light at the end of the tunnel []
Kind Regards
Steven

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

Hi Redwing,
Can I ask why you fixed your Ips and not your PPR?

and does your lender hold all Three properties as security?
Kind Regards Steven.

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216

Hi Bronny
Using a line of credit correctly can be a valuable tool in wealth creation,
However, if misused a LOC has the potential to eat away your equity.
Regards Steven

info@mobilemortgagemarket.com.au
http://www.mobilemortgagemarket.com.au
Ph: 0402483216