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neologism
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@neologism
Join Date: 2003
Post Count: 91
October 10, 2003 - 6:33 am
lol, i dont know, to lazy i guess..
nah i will, it just wasnt a matter that i really thought about, it was just now that we’re talking about it, that it clicked!
i guess that could be a sign of me working to hard.. or just being in la la land 3/4 of the day!!
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
Join Date: 2003
Post Count: 91
October 10, 2003 - 6:23 am
arh fug!! i often wonder why ppl post the same thing twice now, i’ve done it! but i still dont know how!!!
arrhh
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
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Post Count: 91
October 10, 2003 - 6:21 am
simon, aka morgage hunter
you wouldnt happen to know how long it takes to get your FHOG when applying by yourself would you, a minor detail, but one thing govornment bodys arnt renound for is their speed!
so a general time frame would be a help as the property i’m looking at would need some renovations, and most of my money would be used on deposit, fees and so on.. so i’d wanna get it looking nice A.S.A.P so i cant get a tenant into it.
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
Join Date: 2003
Post Count: 91
October 10, 2003 - 6:20 am
simon, aka morgage hunter
you wouldnt happen to know how long it takes to get your FHOG when applying by yourself would you, a minor detail, but one thing govornment bodys arnt renound for is their speed!
so a general time frame would be a help as the property i’m looking at would need some renovations, and most of my money would be used on deposit, fees and so on.. so i’d wanna get it looking nice A.S.A.P so i cant get a tenant into it.
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
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October 10, 2003 - 5:56 am
thats the deal, tho it does make things a bit more difficult, i’m currently thinking about using my FHOG.. the only trouble i’ve faced is that.. if you use a autorised FHOG agent (being most banks, lenders, credit unions) you can receive the $7,000 to use as part of your deposit or to atleast pay stamp duty and costs.
but as the as the bank knows i already have a house, and only ever see’s things in black and white they are not willing to forward my application as their qualifying is a lot more simplistic “has your name ever been on a title?”
and only if the answer is no, will they forward it, at least this is the case with the lender i’ve delt with.
i can still forward the application to the SRO myself but then the monies only becomes available after settlement, meaning after i’ve payed a deposit, stamp duty and cost out of my own pocket, which is fine if you have the money or family to borrow off for a couple of days/weeks untill the payment comes through
could someone who has done the application themselfs maybe tell me how long it take to receive teh money, as the website only say “after settlement”
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
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Post Count: 91
October 10, 2003 - 4:25 am
you have to be able to prove that you have lived in the house, so if you changed all you details.. licence, car insurance, postal address and so on to the address that you used to the gain the FOHG you should be fine, its really upto you how game you are, you could change you details on monday, and change them back again on tuesday, personaly i’d be waiting around 6months..
also so for the first home owners grant.. the “first” can be chopped off if your lucky enough like me.. i bought an investment property a couple of months ago.. am i still able to get the grant… YES!!
the rules are:
have you purchased a house before 2001 blah blah blah
and the next one..
have you purchased and LIVED in a house after 2001 blah blah, leaving me still able to use my 1st home owners grant, yeah your right, its sounds shonky, and is, but i’ve rang up the SRO (state revenue office) multiple times and every time the answer is..
SRO “yes your still able to use it”
ME “your sure”
SRO “positive!”
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
Join Date: 2003
Post Count: 91
October 10, 2003 - 3:17 am
thanx for the help kids, its a bank repo job so ya cant buy before the action, anywho thanks i’m sure i’ll use your advise in the future.
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
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October 9, 2003 - 5:04 am
i bought in country vic, but like many areas now its well past its +ve cash flow investing days, as the growth as been massive
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
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October 8, 2003 - 12:39 am
i used to sleep from about 12 – 5am but no i’ve started a new job so i go to sleep at at about 9 and get up at 5 to work a 12 hour day
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
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October 8, 2003 - 12:31 am
arhh i got how ya did it now!!
had me f*#ked!
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
Join Date: 2003
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October 8, 2003 - 12:25 am
i dont know, but there is 25 in the till, the man has 2 and the other guys each have there 3 back, and that adds upto 30, so i dont know where ya $1 is!
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
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Post Count: 91
October 7, 2003 - 11:23 pm
good on ya mate!
i really dont have any ideas on how you can get started, exept for to buy one!
if you dont have alot of cash, maybe ask your parents to help, they should be glad you want to do something +ve with your money (and maybe a little of theres [])
i got my first one when i was 19 (i’m 20 now), but i didnt do much further education and started working on an above average wage, so i was lucky there, one thing i’ll say is, dont expect people to listen to you or take much notice of you at our age, maybe get a parent or someone older to go around looking at houses with you.
i dont know why, everyone just thinks your a time waster or a dreamer or something, it’s not until you actually hand over the $$$ they start paying you some attention, now i have estate agents calling me!
go one son, go on, you’ll get there, oh and if you’ve reaserched something and think you have a good knowledge of it, beleive in yourself, expecially in this sort of cliamate, everyone was telling me to hold of for intrest rates to go up, i didnt listen to them and in 2 months prices have gone up 30%. just buy when YOUR ready and willing!
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
Join Date: 2003
Post Count: 91
September 8, 2003 - 3:45 am
my girl friend is one of 7 children!!!!
he cryed when he received all his fathers day presents, quite touching really
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
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Post Count: 91
September 3, 2003 - 9:17 pm
hey all, i’m 20 got my first one when i was 19..
hopefully getting my second one this saturday..
fingers crossed!
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
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September 3, 2003 - 7:40 am
lol, yeah, unfortanitly i’m still stuck at work.. 20 more minutes to go.. then i’m off! []
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
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September 3, 2003 - 6:54 am
i’m 20, have 1 +ve IP, carefully looking for the second while my money is invested in shares..
i think when everyone is going property, property, property, i’ll be buying shares, and when everyone is going shares, shares, shares, i’ll be buying property.. it only makes sense to me…
i bet in another 3 or 4 years there will be a story every second night on the idoit box how shares made this person and that person rich
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
Join Date: 2003
Post Count: 91
August 11, 2003 - 10:02 pm
i’m pretty sure if its your PPOR u dont ever have to pay CGT
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
Join Date: 2003
Post Count: 91
August 5, 2003 - 4:31 am
let me get this straight, you cant cover the cost of one investment property, so you want to buy a second one to make up the difference?
what happends if you dont find a tenent for the second IP, or if both IP’s become vacant!?
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
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Post Count: 91
July 29, 2003 - 10:00 pm
i would suggest you have at least an extra 5% of your purchase price set aside so u can pay for the cost, stamp duty.. and so on and so fifth.
it can get quite costly by the end
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one
neologism
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@neologism
Join Date: 2003
Post Count: 91
July 28, 2003 - 10:34 pm
LOC = line of credit
NEO
NICE ONE BRUVA!! Nice One Bruv! nice one