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PropertyGuru
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December 3, 2004 - 4:08 am
Originally posted by Aafreen:
Hi Terry,
how about a self employed person with ABN for more than 2 years and same situation as JOsh, (about 40K deposit and no large debts or assets) ?
Could you recommend the best available lo doc loans for this scenario ? Also you said you still declare income on a low doc loan. How do you go about that, what papers/ documents you will need for declaring income ?
thanks
You may get at 6.85% for low doc.
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
Low Doc from 6.85%
PropertyGuru
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November 29, 2004 - 3:55 am
have read this before but good one
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
Low Doc from 6.85%
PropertyGuru
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November 26, 2004 - 12:42 am
Hi Occo,
Welcome to forum.
Do some search on forum. you will find this topic been discussed number of times here.
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PropertyGuRu [sultan]
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PropertyGuru
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November 23, 2004 - 1:38 pm
As GreatPig has talked about all the trust. best to get hybrid trust. It will cost you about $1300 to set up and if you company as trustee add $1000 more to it.
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
PropertyGuru
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November 19, 2004 - 1:39 pm
There may be limit because of LMI. try to get loan from lenders who don’t use LMI for low LVR.
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
PropertyGuru
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November 19, 2004 - 1:09 pm
It’s not hard to find 11 seconds rule property on the net. Just need to look a bit hard ( may be not that hard for me)
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PropertyGuRu [sultan]
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PropertyGuru
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November 19, 2004 - 1:00 pm
Originally posted by richmond:
(by the way, $6000 non-genuine savings? please explain)
cheers
r
Genuine savings means one should save deposit from his own salary in the past. this saving should not come as a gift, tax return etc. They just want to make sure that you can save money from your salary.
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PropertyGuRu [sultan]
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PropertyGuru
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November 19, 2004 - 12:35 am
Hi Steve,
In short lets say you fix your rate for 3 years at 6.5% your interest rate will be 6.5% even if RBA increase the rates.
But if you get variable rates lets say at 6.45% from XYZ bank and RBA incease the rates to .25% your variable rate will be 6.7%. and if they increase again .25% your rate will be 6.95% but your fixed rate will remain same for 3 years ( if you fixed for 3 years)
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PropertyGuRu [sultan]
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November 18, 2004 - 4:50 am
According to me best structure is Hybrid trust for normal investing.
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
PropertyGuru
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November 17, 2004 - 3:10 am
I think you don’t have to pay CGT for 6 year if your property is prinipal place of residence.
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PropertyGuRu [sultan]
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PropertyGuru
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November 8, 2004 - 6:21 am
Try this. This is not bank site but LMI which will help you.
http://www.pmigroup.com.au/LocationWizard.asp
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
PropertyGuru
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November 4, 2004 - 6:40 am
New Pic is up there Thanks Rose!
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PropertyGuRu [sultan]
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PropertyGuru
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November 4, 2004 - 2:04 am
I got few lenders who will do it.
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
PropertyGuru
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November 3, 2004 - 2:49 am
At Borders you can buy for $21.95
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PropertyGuRu [sultan]
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PropertyGuru
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November 2, 2004 - 10:12 am
looks very cute
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
PropertyGuru
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November 1, 2004 - 7:09 am
Doreen been sugested to me by Westan I think she charged $750. but she really rings and keep in tough via email etc.
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
PropertyGuru
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November 1, 2004 - 6:24 am
I used Doreen. She was good.
[email protected]
Doreen M. Gardner
Walker Mac George & Co
68 Queen Street
P.O. BOx 18
Waimate
P.O. Box 18
Phone 03 689 8139
Fax 03 689 8475
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
PropertyGuru
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October 31, 2004 - 2:12 am
Try to get “Trust Magic” if you can’t find WealthGuardian.
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
PropertyGuru
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October 29, 2004 - 3:46 am
It’s all depends on your bank and which package you are on. just ring your bank about it. It should not be too much.
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PropertyGuRu [sultan]
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NZ loan pre approval from Australia in 48 hours
PropertyGuru
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October 29, 2004 - 2:26 am
yes you are right.
I think anything related to that property you can claim like accouting fees etc. but interest and depreciation are major one. may be you want to change your loan to Interest only to give your self more cash flow.
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PropertyGuRu [sultan]
Mortgage Consultant
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NZ loan pre approval from Australia in 48 hours