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Alistair Perry

  • Alistair Perry changed their profile picture 8 months ago

  • Alistair Perry changed their profile picture 8 months ago

  • Hi Guy,

    If you can send me some details of what you are after I should be able to let you know pretty quickly if something can be done in this timeframe. In particular I would need the purchase price, the LVR that you need, location and the proposed ownership structure.


  • Unless you think that Government and bureaucrats know how to spend your money better than you do then there is no choice but the party that promotes the least economic interference. Out of these options the Liberal Democrats are clearly the only rational choice.

  • Alistair Perry replied to the topic Servicability in the forum Finance 11 months, 3 weeks ago

    Hi Jan,

    It’s certainly worth getting a second opinion, but at some stage all residential property investors hit a funding wall. This doesn’t mean you have to stop investing, you may have to change your strategy though. A lot of successful investors end up moving to development or commercial property as an example.


  • You absolutely should get some legal advice re the settlement and see if you can optimize your ownership and loan structure.

  • Which State(s) are the properties in Sami? In Victoria you can transfer titles between spouses without incurring stamp duty, this is not the case everywhere but you may be able to restructure ownership as you wish.


  • Alistair Perry replied to the topic Consulting Team needed in the forum Finance 1 year ago

    Hi Hemi,

    I haven’t looked at a scenario like this for a while so I’d have to refer the question to one of my brokers who is at the coalface. While I am sure you can fund a deal like this still, there are a few issues you may come up against. Most lenders don’t like the idea of you not putting in any money and some won’t agree to the vendor…[Read more]

  • We are all dying a death by 1000 cuts anyway. The fact is land tax, as with GST, is a very simple tax to implement and very difficult to avoid. It is unambiguous and simple. This is far preferable to income tax which is anything but. The problem is that if it was introduced it would be on top of the current system, not replacing it. The most…[Read more]

  • Alistair Perry replied to the topic newby in the forum Help Needed! 1 year, 1 month ago

    Great post Benny,

    I wouldn’t be too concerned about having the properties in personal names, most people start out this way. It would be worthwhile making a full appraisal of your structure and work out a strategy for future purchases and also what to do with any money crystalized from the sale of any of the exiting properties. All investors…[Read more]

  • Hi Hemi,

    At the moment I have a white labelled home loan product priced at 3.99% variable, interest only or p&i, it has an offset account or can be structured as a LOC or a combination with no change to the rate. I also have a team of experienced brokers who have access to a wide range of other products, as no one loan is going to be most…[Read more]

  • Hi Frances and Attila,

    I would encourage you to look at what you need the most. That is, if you already have an income but not a lot of capital behind you, then you should really look at improving your capital position as a first point of call. A more active strategy such as renovating, revaluing and accessing the manufactured equity for further…[Read more]

  • Hi Hemi,

    I have worked with Steve on some of his personal investments on and off for a number of years. I certainly wasn’t the only person he dealt with over this time, but we have had a business relationship for a long time. I sold my old business last year and am now working out of Steve’s office, assisting him in creating a range of products…[Read more]

  • Stamp Duty is an absolutely horrible form of taxation, it makes entering the market extremely difficult and inhibits mobility which has both a social and economic impact. The fact that its removal would increase the number of speculators is not necessarily a bad thing, speculators and traders would increase the liquidity of the market, as they do…[Read more]

  • Alistair Perry replied to the topic Redraw and offsets in the forum Finance 1 year, 1 month ago

    If you have any further queries re how different loans work, please add them here. This topic is very important for people who are new to property investing because, as Terry put very succinctly, you can’t unscramble an egg. Mistakes with structuring can be very costly over the life of a loan.


  • Hi Dana,

    Nobody has a crystal ball. You seem to have thought through your options pretty thoroughly so you should be happy that whatever decision you ultimately make, it has been an informed one. Only the future will tell if your decision is the best one or not.


  • Alistair Perry replied to the topic Redraw and offsets in the forum Finance 1 year, 1 month ago

    Offset accounts are very useful because they change the interest calculation but not the loan amount. In most cases investors should have both an offset account, for personal use, and money in redraw or a LOC for investment use.


  • Alistair Perry replied to the topic Locking in equity? in the forum Finance 1 year, 1 month ago

    Hi Elizabeth,

    Your current lender would be determining your accessible equity using the valuation they have on file, which may or may not be old, depending on when the loan was set up. If it was a while ago, you may have more, the same or less equity available, depending on the market you are in. It would be well worth your while engaging a…[Read more]

  • Hi Adam,

    It doesn’t make a lot of sense to make a decision based on what has already happened, if anything it should be easier to decide to sell at a loss as you receive a future tax benefit rather than a liability if sold at a profit. I strongly suggest that you make a decision as to what the future holds for the area and how holding the…[Read more]

  • Hi Dana,

    The only answer you will get to that question is in hind sight. Sometimes units perform better, other times houses, depending on the time frame you are looking at and the demographics of the market. In the very long term land does not lose value while buildings degrade, which would suggest something with land content should be a better…[Read more]

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