You should always know what your capacity to borrow is before doing any deals. You don’t actually need to get a ‘loan’ before finding a deal. But, having a broker look over your financial situation will give you a good indication of what kind of capacity you have which will then allow to seek out opportunities within that capacity.

Hi Brizza,

Whether you can or can’t borrow anymore cannot be determined by such a small amount of info. It would be irresponsible to give you an answer without a full assessment of your financial situation.

If you’re want to know if you can borrow more, get in touch with a good broker who can assess your situation and give you an accurate idea…[Read more]

Crossing securities is rarely the solution. The same result can be had by not crossing, which would give you more flexibility generally speaking. Ask him why he can’t still access your equity required without crossing securities. He should be able to answer immediately.

Seeing as you’re not comfortable with that structure, tell him. It is your…[Read more]

Hi FXDaemon,

Certainly this could be an option for you. We are doing quite a few of these with investors such as yourself who have maxed out servicing capacity with the traditional lenders.

Hi Adam. The simple answer is no. It isn’t imperative for the majority of people. But it really depends on what the longer term plan is & your situation. How big will your portfolio get realistically? Will you invest in multiple states? Is your profession the type that is risky from a litigation point of view?

These are the things you should…[Read more]

As being alluded to above, there are quite a few things that have changed in the last couple of years & are constantly changing as we speak. Assessment rates for existing debt, new debt, OFI debt, living expense calculations, P&I/IO debt assessment differences, margin lending debt to name a few.

Your situation sounds like it it’s in need of specific legal/tax/estate planning advice.

Perhaps get in touch with @terryw from this forum. He specialises in these areas.

https://www.propertyinvesting.com/members/terryw/

Your situation sounds like it it’s in need of specific legal/tax/estate planning advice.

Perhaps get in touch with @Terry_w from this forum. He specialises in these areas.

Is it possible to ask for valuations from agents outside the area? Say from Dare, Tibar or Hera? Perhaps looking at current real estate for sale in Dili and using that an as guide to bring the two parties to the table?

Failing that, perhaps you might need the services of a local lawyer who may be able to suggest an independent valuer or another…[Read more]

Is it possible to ask for valuations from agents outside the area? Say from Dare, Tibar or Hera? Perhaps looking at current real estate for sale in Dili and using that an as guide to bring the two parties to the table?

Failing that, perhaps you might need the services of a local lawyer who may be able to suggest an independent valuer or another…[Read more]

Is it possible to ask for valuations from agent’s outside the area? Say from Dare, Tibar or Hera? Perhaps looking at current real estate for sale in Dili and using that an as guide to bring the two parties to the table?

Failing that, perhaps you might need the services of a local lawyer who may be able to suggest an independent valuer or another…[Read more]