dah! silly me sorry house is in south australia.
thanks for the tips, from what you’ve all said it doesn’t sound like it shouldn’t be too much of a headache to do it without an agent.
Yeah being ‘sprayed’ like that would really tick me off too Adam!
I was thinking if I used an agent I would go thru Vendor Rep, like a broker for REA.
But will give…[Read more]

hmmmmmmmmmmm. that is a very good point about possibly losing money.
it is a pretty nice house but the previous tenants did some damage and a pretty average patch and paint job was done on some of the walls.
floorboards need resanding and polishing.
everything else was fixed up pretty well with my landlords insurance and some sacraficed…[Read more]

Thanks for your help Chris.

Have a great Easter [biggrin]

Tanya

[]Thanks very much.

Regards

Tanya

Thanks heaps Mel was looking for ages with no luck!

Tanya []

quote:

Quote:
but loan interest would be charged on $130.00 less each month as savings would sit in there to offset

Hi Simon/Melbear

Sorry I made it sound a bit complicated. Yes I did mean what Melbear said that interest would be charged on 130.00 less not saving 130 in interest so i guess the lower interest rate would be cheaper. But then it…[Read more]

Quote:

Also, why wouldn’t you just use the $5000 to pay off the principal, surely that would be a better option, if you didn’t need the money in the short term?

Hi all

I guess the idea was sitting it in the offset acct because you were saying you liked having access to your funds so if u were to get a home loan that would be your best…[Read more]

Thanks very much for your advice Simon.
This website is fantastic, it’s great to be able to get advice from people like yourself.

Tanya []

on top of the cost per cheque, isn’t there bad tax on each transaction from the acct including cheques and all other transactions?

Quote:
I guess, I’m a little behind the times. I just don’t like sitting at my computer and reading,

I’m with you diclem, spend enough time sitting at a computer these days, need a bit of timeout sometimes! [8D]

Tan

Well don’t worry I’m way under 70 and I have been wanting to get a cheque book for a long time but was told they attract bad tax for every transaction you make from the cheque account, is this true?

Tan

Wow am I the only one in Adelaide?!!
Or did I miss one?
I live approx 10km from CBD, own investment property down south by the coast in fleurieu pennisula which is where I spend a lot of my weekends with friends and family.

Tanya [8D]

Hi Simon
Thanks for your reply.
I know it was very longwinded, found it hard to tell enough of detail without drawing it out too much!
I have got the pro package with CBA so do get .5 off but Andrew will not on this 50,000 and we are not looking at refinancing with another institution.
Basically i just need to work out what the financial…[Read more]