Ok. We do short term private loans on Qld securities depending on the rest of the information.

broker even.

As Craig has mentioned most Commercial transactions are done with clients using a Pty Ltd Company As Trustee structure so lenders are used to this form of borrower more so than the standard residential deal.

Whilst many lenders will offer you residential rates if you offer residential security there are many competitive Commercial deals around at present so rate should not be too much higher even where commercial security is being offered.

In some cases where the security is specialised the lender will ask for a higher deposit but again with available equity in another security 100% funding is available.

Cant comment but we always use and recommend http://www.depro.com.au/

Never had any problems with them.

Good luck.

Hi Maree

Dont forget this day and age your mortgage broker can be located anywhere in the Country.

Most applications are done electronically so with the wonderful technological age we live in email etc an application lodged in Darwin can be approved Melbourne for a client in Port Douglas.

Remember if you are buying a unit that you inetend to rent out in the future make sure that it is structured correctly from day 1 to maximise your deductions.

Which State is the security property in ?

If you wrap the propert from day 1 you are getting COC return of around 16%.

Combine these strategies with the traditional buy and hold for capital growth and you are doing very nicely.

Dont want to pick holes in someones else answer but to just to clarify a few points correctly:

Second, an immediate capital gain tax (CGT) would likely to arise if you transfer the IP to your family trust. However you should be able to get a 50% discount on the tax if you have owned the IP for more than 12 months and 2 days.

The date of ownership for CGT purposes is the contract date and not the settlement date and the requirement is > 366 days.

In contrast, no CGT would arise if you transfer the IP as an in-specie contribution to your SMSF. If the value of your IP is below $450K, you could transfer the IP to your SMSF in one go NOW and do not have to wait for 3 years (provided you have not done similiar transfers before). If however the value of your IP is above $450K but below $900K and PROVIDED that you trust your wife, you can transfer 50% of the IP to your wife, and then each of you make a $450K contribution to the SMSF (it has to be your wife for stamp duty reasons below). If the value of your IP is above $900K – there are still very good strategies around but I would not try to explain them here for fear of confusing everyone reading this post.

A) You are unable to transfer residential property into your SMSF full stop. The event is not covered by the in-specie rules.

Third, an immediate stamp duty (at least for NSW and VIC) would arise if you transfer the IP to your family trust. No stamp duty if transfer to SMSF or your wife.

A) As you are unable to transfer residential property into your SMSF this is not applicable however the transfer of business premises or commercial property into your SMSF does trigger stamp duty.

Look at alternatives strategies.

I was fortunate enough to start our wrapping company back in the mid 90's providing Vendor FInance to clients who could not get traditional style funding.

Sure things have changed but the mechanics havent and the demand is as strong today as it ever has been.