Total Members: 159,074

small_time

  • small_time replied to the topic Investing and HECS in the forum I understand that to free up 17 years, 1 month ago

    I understand that to free up cash flow I have to pay complete HECS debt, but thanks for bringing it up as it is an important point.  It seems that unless I can clear the debt there is no point paying some of it off.So, for the moment I am going to keep the money flowing into the homeloan, but at the time when I have enough redraw to clear my HECS…[Read more]

  • small_time replied to the topic Equity questions – First IP in the forum Finance 17 years, 10 months ago

    What expenses need to be accounted for and what are some base line costs, from the top of my head…

    Rates (% of property value?)
    House Insurance
    Liability insurance (Is this required, costs?)
    Allowance for vacancy (1 months worth of rent?)
    Commission to rental manager (5% of rent?)
    Closing Costs (6% of property value)
    Repair/maintainence kitty…[Read more]

  • small_time replied to the topic Has anyone came back after losing everything in the forum Help Needed! 17 years, 10 months ago

    Where can I find information regarding the 33:30 challenge?

  • small_time replied to the topic Second Mortgage in the forum Finance 17 years, 10 months ago

    Why is it normally an interest only loan? Is that purely to lower the repayments?

    If it is P & I then won’t you grow more equity?

small_time

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