PropertyInvesting.com | aque | Activity https://www.propertyinvesting.com/members/aque/activity/ Activity feed for aque. Mon, 13 Apr 2026 16:37:24 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 04bd1baaf451aec4b3854705e72ab976 aque replied to the topic Contaminated deposit for 80% loan in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4996829-contaminated-deposit-for-80-loan/#post-4996957 Sun, 23 Nov 2014 11:33:26 +0000 Hi Benny

Thanks for your feedback!

]]> 8667ec40605437f2575900e9a245f4e8 aque replied to the topic Contaminated deposit for 80% loan in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4996829-contaminated-deposit-for-80-loan/#post-4996890 Fri, 21 Nov 2014 11:51:36 +0000 Hi Benny and Terry

My goal is to buy a PPOR and aim at a strategy I can have all my saving in PPOR and all IPs at 100% loan for max tax deductibility.

I think the method Terry outlined is very powerful and it is even more powerful when combined with debt recycling.

Thanks a lot

]]> 569f52959e76effb25c4f5f4de10dd4c aque replied to the topic Contaminated deposit for 80% loan in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4996829-contaminated-deposit-for-80-loan/#post-4996878 Thu, 20 Nov 2014 14:26:30 +0000 Thanks Terry. But now I am lost how is it possible to refinance loan into loan 1?

]]> 08aa174154dc1b3d78805837ec4f368a aque replied to the topic Contaminated deposit for 80% loan in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4996829-contaminated-deposit-for-80-loan/#post-4996876 Thu, 20 Nov 2014 13:30:59 +0000 For the first 2 seconds I thought your reply was a joke. But then I realised this is a brilliant idea!

Thanks Terry!

]]> 59207aa7dae0bcfdbf2f52b058b49f4a aque replied to the topic Contaminated deposit for 80% loan in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4996829-contaminated-deposit-for-80-loan/#post-4996864 Thu, 20 Nov 2014 09:20:42 +0000 I thought borrowing 104% is not possible. Or it is possible if I use 20% use a security for the loan without triggering LMI?

]]> 652b692ebd9a3c3ef25eedeeea9a54a8 aque replied to the topic Contaminated deposit for 80% loan in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4996829-contaminated-deposit-for-80-loan/#post-4996860 Thu, 20 Nov 2014 07:32:31 +0000 Thanks guys. I have corrected. I am wondering if there are better ways than debt recycling to overcome this issue?

]]> 18b2a29c73881489bd0a5395e7a2d267 aque started the topic Contaminated deposit for 80% loan in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4996829-contaminated-deposit-for-80-loan/ Wed, 19 Nov 2014 20:31:28 +0000 Hi

I have 2 IPs all with 80% loan. Any equity loan I draw from these IPs for my PPOR will not be tax deductable. Hence, it seems always a good idea to have 100% loan (if you can) for purchasing IPs to max tax deductibility and use funds for PPOR.

The only to overcome this case I can see is to setup a debt recycling structure on the PPOR. Am I on…[Read more]

]]> 307836f9d15ad3a400931667dd9c507f aque replied to the topic Is this a good deal? in the forum Help Needed! https://www.propertyinvesting.com/topic/4407115-is-this-a-good-deal-10/#post-4673714 Sat, 14 Jul 2012 10:40:39 +0000 waydo77 wrote:
5.2% yield after body corp is taken away from rent, sounds pretty ordinary for a unit, depends where it is i suppose

Its loction is very good. There are 10 units in the complex. Maybe I shall have the hope with persuade other owners to get cheaper body corp?

@6% interest rate, 25 per week can cover a 22k loan. I am just a…[Read more]

]]> 22d1f68d0051a551ff7ba1c7ac11da33 aque replied to the topic Is this a good deal? in the forum Help Needed! https://www.propertyinvesting.com/topic/4407115-is-this-a-good-deal-10/#post-4673713 Sat, 14 Jul 2012 10:36:29 +0000 RyanJD wrote:
You need to compare the rentals in the complex and in the suburb to the unit your looking at. Will the rent be the same? Is the rental demand high or will it be vacant for a while?Most body corporate fees are tax deductable but I don't belive sink fund fees are from what I've read.Have you had someone looks at the strata paperwork…[Read more]

]]> 24245db189205e54d9ee39f56d9ac77f aque replied to the topic Loan w 100% offset account in the forum Finance https://www.propertyinvesting.com/topic/4401072-loan-w-100-offset-account/#post-4631074 Thu, 02 Sep 2010 03:23:19 +0000 Glad to hear Homeside is the cheapest one! I am having a loan from Homeside!

]]> 6c0da0e95068345003ea6804c8b07f09 aque replied to the topic Conveyancer in Queensland in the forum Help Needed! https://www.propertyinvesting.com/topic/4401004-conveyancer-in-queensland/#post-4630673 Fri, 27 Aug 2010 03:14:34 +0000 Do not use Topgun. Thats my advice

]]> e7d4f1adf520a364e2dce60b752b1fbf aque replied to the topic Michael Yardney's living of equity ideas, whats wrong? in the forum Help Needed! https://www.propertyinvesting.com/topic/4400976-michael-yardneys-living-of-equity-ideas-whats-wrong/#post-4630558 Tue, 24 Aug 2010 01:58:37 +0000 Thanks TerrywWill remind myself searching the forum first before asking next time!  Cheers!

]]> ff3f20960fa79b5fed3cea654163bd51 aque replied to the topic Previous Expenditures on PPOR before it comes an IP in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4400729-previous-expenditures-on-ppor-before-it-comes-an-ip/#post-4629119 Fri, 13 Aug 2010 05:54:07 +0000 Hi Mr501Thank you for your kind help.I am wondering if you are an accountant and willing to take a new client? If so, could you PM me your details?Regards

]]> f47014c2b0475cfd34f6112a6b08ae0c aque replied to the topic Previous Expenditures on PPOR before it comes an IP in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4400729-previous-expenditures-on-ppor-before-it-comes-an-ip/#post-4629117 Fri, 13 Aug 2010 03:54:51 +0000 Thanks for your reply.If I get some improvement or repair work done now and ask tradies to have the invoice date after my PPOR becomes an IP, is it legal?

]]> f92062b351379388d6a5bb467fb31d71 aque replied to the topic Previous Expenditures on PPOR before it comes an IP in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4400729-previous-expenditures-on-ppor-before-it-comes-an-ip/#post-4629115 Wed, 11 Aug 2010 23:35:06 +0000 HI Mr5o1 Thanks for your reply.I guess it is better to do any improvements or maintenance after it becomes an IP.Q3. How do I notify ATO my PPOR becomes a rental? Can I still have all my mails sent to that address? I mean, it will be rental but it is still my PPOR so I do not get CGT. A little confused about evidences.I guess I really need to talk…[Read more]

]]> e899489f7fb6401ce2078205ed4b1363 aque replied to the topic Previous Expenditures on PPOR before it comes an IP in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4400729-previous-expenditures-on-ppor-before-it-comes-an-ip/#post-4629112 Mon, 09 Aug 2010 23:43:28 +0000 Hi GuysThank you very much for your help.I assume stuff I bought years can still be depned if I employ a`quantity surveyor.  

]]>