No problems.  I chose to go Io on my PPOR with an offset account attached.Best structure in my situation.

let wrote:
Hi koons,If I were in your position… I would take the FREE money from FHOG, live in the property for 12 months as required in vic. (This property can always be sold). Renting ??? may be an option if I couldnt afford to buy but thats only waisting money in my veiw. The IVP sounds great but without living in it you will loose the…[Read more]

If your redrawn money has been invested then it should all be tax deductible.Just ensure than none was used for private expenses – just investment usage.

Can't you just extend to provide more space?

This is a specialised area – I can put you onto someone if you like – just drop me an email with your contact details.

What is a glass ceiling?I thought it was a barrier that stopped some women getting to senior positions?

Great news mate – always enjoy hearing from you.What have you got planned for the future?

Nivonne wrote:
Thanks Richard. I understand that a low rate is not the most important factor, but if everything else stacks up why would'nt you go with the cheaper option?

Well you would be silly not to.But generally everything else doesn't stack up and I am positive that you are trading something off for this low rate.  I find that loans can…[Read more]

It is added but only after you subtract all costs.  Inc interest, rates, insurance etc.If you own the PPOR outright then you will pay a lot of tax on the income.The way around it might be to borrow to buy another income producing asset?  Something that will make a loss but be very likely to make a capital gain.Myself – I don't mind paying tax.  I…[Read more]

I reckon you should call Jacque above.  She is a fantastic Buyers Agent and knows Sydney very well.  The Sydney Morning Herald seeks her for comment and she is certainly no fly by night shonk.I would have no hesitation in recommending her to anyone.Give her a call – you wont be disappointed.Cheers,

yeah – I do.

Why can't you buy a home on your own?Perhaps we can help solve that one before you make someone else wealthy.

Cracking is indeed the main drawback – but some very nice effects can be achieved.  Especially by adding glass, timber borders, aggregate, metals etc etc.I do disagree with the thermal qualiteis of tiles.  Tiles are required under the BASIX now because of their heat bank qualities.  tiles in a north facing room will heat during the day and re…[Read more]

It is a fact that the minimum principal payment required by the lenders is low.What sort of thoughts are you after?

Mate – you need to find a decent broker!Cheers,

That is a small block.Rental guarantee is not worth much in the whole scheme of things – don't let it distract you from what is a long term investment.Ask yourself why is this being marketed interstate?  Surely if it was a great deal it would already be gone.I strongly believe that if you learn and know your own market well you will find better…[Read more]

There is no rental bond requirements as far as I know …Sounds like you should give her notice and find a new tenant. Why did the council remove the trees?  Were they a danger?  You are the owner not her.  I would be taking the value of them from her bond.Do you have a property manager?  Sounds like you need one.  They will get you full mark…[Read more]

NODOC loan to 70% with no income needing to be declared.Any good broker will have a number to select from.  All depends on your needs.Cheers,

Work out your goals. So many don't do this. They just invest for the sake of investing.Work out a timeframe. 1 yr or 50 yrs … or perhaps something in between.Then work out a path to get you to your goals.

We keep banning this clown hence his new nicks with one post as history each time.We are going to try to ban his IP address next so he cannot rejoin under another girl's name as he has been doing.I don't know why he bothers.  Must be a waste of his time with no benefit to him.Cheers,