PropertyInvesting.com | andrew dwyer | Activity https://www.propertyinvesting.com/members/andrew-dwyer/activity/ Activity feed for andrew dwyer. Tue, 14 Apr 2026 21:13:25 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 6d770856283b8bdb11ccee8491564767 andrew dwyer replied to the topic Creating a Financial Plan in the forum Finance https://www.propertyinvesting.com/topic/4398741-creating-a-financial-plan/#post-4616894 Mon, 15 Feb 2010 03:40:05 +0000 Qlds007 wrote:
We are not all doing so because we have to. Some of us carry on working because we enjoy it.Please don't say 'see a financial planner'. If they knew how to be financially free then why are they still working!?

Don't listen to any sporting coaches either for the same reasons..

]]> d4bd676e5fb831edc5dd2e3180e2f974 andrew dwyer replied to the topic Property Investing End Games - What is the best strategy to get cashflow in the forum Creative Investing https://www.propertyinvesting.com/topic/4397697-property-investing-end-games-what-is-the-best-strategy-to-get-cashflow/#post-4611071 Wed, 04 Nov 2009 04:09:07 +0000 From what I hear the banks have tightened up since the GFC on the practice of releasing equity from your properties to live off and capitalising the interest ongoing?

]]> 80859cf30833372cc24e4be413bf947a andrew dwyer replied to the topic Using equity to invest of buy another IP in the forum QLDS007 is the man I https://www.propertyinvesting.com/topic/4397469-using-equity-to-invest-of-buy-another-ip/#post-4610090 Mon, 12 Oct 2009 05:49:39 +0000 QLDS007 is the man I would recommend you speak to denny! Richard has just assisted me in setting up my LOC through my existing lender. I'm from Geelong but more than happy having my broker parked up in sunny QLD 

]]> ef1f688939a8538496cfb295d89f78ce andrew dwyer replied to the topic LOC to Pay IP Interest in the forum Help Needed! https://www.propertyinvesting.com/topic/4397307-loc-to-pay-ip-interest/#post-4609275 Fri, 25 Sep 2009 02:36:08 +0000 Hmm very interesting, will be keen to hear Richard's view on this? Richard has just helped me set up a LOC with my existing lender of 50k which I will use to purchase my I.P I am buying off the plan.By the way guys I cannot speak highly enough of Richard (QLD007) and the A+++ advice he has giving me so far in the setting up and structuring of my …

]]> 7d7dccc1c47b3df6c8b3522921b1217c andrew dwyer replied to the topic Investing in Geelong Suburbs in the forum General Property https://www.propertyinvesting.com/topic/4397237-investing-in-geelong-suburbs/#post-4609021 Mon, 14 Sep 2009 23:02:41 +0000 Grovedale is a fairly well established suburb. Median prices are probably around 250-300k at a guess. The suburb does have some areas that are heavily populated by commission homes so that affects it's appeal somewhat. Vacancy rates are quite low.

]]> 4d7beeb7c4bcf22c03af57b1b05a8928 andrew dwyer replied to the topic Investing in Geelong Suburbs in the forum General Property https://www.propertyinvesting.com/topic/4397237-investing-in-geelong-suburbs/#post-4609019 Mon, 14 Sep 2009 02:23:33 +0000 Agree with Hulkster, anywhere from central to south of geelong you will find low vacancies and quality properties. I have lived in Geelong my whole 30years and have recently purchased an I.P off the plan in waurn ponds.

]]> ee274cfb82f493a5186017ab999c1f16 andrew dwyer replied to the topic Income Protection?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4396959-income-protection-3/#post-4607827 Mon, 07 Sep 2009 05:17:03 +0000 All superannuation funds offer some form of income protection/salary continuance. The amount and benefit period depends on the fund. Generally unless your super fund is an employer sponsored fund you will not have income protection automatically attached. My wife is with VicSuper and has income protection through her fund, this was not aut…[Read more]

]]> 297bc326a9e4d7ae66fe2a476a1d3a84 andrew dwyer replied to the topic Income Protection?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4396959-income-protection-3/#post-4607820 Thu, 13 Aug 2009 23:13:13 +0000 It's exactly the same process though. Difference being the premiums are paid by your superannuation fund as apposed to coming out of your cashflow. Bear in mind it's only tax deductible if paid from your cashflow. There are advantages and disadvantages to both options.

]]> db69d5ed5453b302520075a061ee6801 andrew dwyer replied to the topic Income Protection?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4396959-income-protection-3/#post-4607817 Thu, 13 Aug 2009 04:35:08 +0000 Hi Gats,Ok here is a defintion of Income protection insuranceAlso known as 'income replacement', 'disability income' or 'salary continuance'.Income Protection is Insurance that will pay a regular income to a person if they are disabled by a sickness or injury. The maximum benefit covered is usually 75% of current personal exertion income after…[Read more]

]]> 568924815092a4e9dea422c153c79569 andrew dwyer replied to the topic Geelong Investing in the forum General Property https://www.propertyinvesting.com/topic/4396714-geelong-investing/#post-4606475 Thu, 16 Jul 2009 05:50:34 +0000 Hi DWG,Armstrong Creek is located just off Torquay Rd basically in between Torquay and Waurn Ponds about 5-10mins from Torquay.As far as investing in Norlane and Torquay you will certainly find cashflow + properties there. Unfortuantely they are very low income areas and suffer high unemployment. It's an industrial area that obvoiusly relies on…[Read more]

]]> 0b1b821e138332e38c1705d6995957b7 andrew dwyer replied to the topic How to legally protect my fiancee, who will be helping to make loan repayments? in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4395031-how-to-legally-protect-my-fiancee-who-will-be-helping-to-make-loan-repayments/#post-4597250 Wed, 07 Jan 2009 04:24:39 +0000 xya wrote:
Hi all,I've recently exchanged contract to purchase my first property, initially to live in and later to convert into an investment property. My fiancee has agreed to help me out by transferring her savings and future pay into my offset account to help reduce my loan repayments. As we are planning to buy another property within 12…[Read more]

]]> 349ebeb9d09dbb142ec2b7f361a5d3fc andrew dwyer replied to the topic Do i have enough equity to borrow 250k-300k? in the forum Finance https://www.propertyinvesting.com/topic/4395046-do-i-have-enough-equity-to-borrow-250k-300k/#post-4597337 Mon, 05 Jan 2009 07:22:13 +0000 No it's not fixed

]]> 32ec581bb4e64cccd4bc3b1ed3a8668a andrew dwyer replied to the topic Do i have enough equity to borrow 250k-300k? in the forum Finance https://www.propertyinvesting.com/topic/4395046-do-i-have-enough-equity-to-borrow-250k-300k/#post-4597334 Sat, 03 Jan 2009 10:05:19 +0000 Thanks guys for your help so far. So to clarify things gearing to 90% on my PPR i have 35k – costs, stamp duty etc to use for a deposit on an investment property? And the current loan with my bank can does that remain with them? or will the broker i obtain the loan from refinance that loan and incorporate it with my new loan? That part is the con…[Read more]

]]> fefb553a4c11643a9b4313450acc9b13 andrew dwyer replied to the topic Do i have enough equity to borrow 250k-300k? in the forum Finance https://www.propertyinvesting.com/topic/4395046-do-i-have-enough-equity-to-borrow-250k-300k/#post-4597332 Sat, 03 Jan 2009 08:28:10 +0000 Ok thanks, my current bank lender will only lend 80% so that's no good for me. So should if i seek out another lender will they loan 90% on my PPR? And will that mean i need to break my current home loan and refinance it with other lender? Our unit loan is now cash positive and we pay $100 a week extra on our home loan so i would be confident we…[Read more]

]]> 52b44e815243ba6ec18e7c64c2f58153 andrew dwyer replied to the topic WealthScore.... How Did You Go? in the forum General Property https://www.propertyinvesting.com/topic/4390643-wealthscore-how-did-you-go/page/6/#post-4573189 Mon, 24 Nov 2008 04:12:18 +0000 Does the property portfolio column include your home? or just your investment properties?

]]> f294e1d025b4d96dfe720e1bed127af9 andrew dwyer replied to the topic marginal lending loan advice in the forum thanks guys i will put into https://www.propertyinvesting.com/topic/4390072-marginal-lending-loan-advice/#post-4569937 Sun, 01 Jul 2007 09:14:18 +0000 thanks guys i will put into my home loan 

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