Hi Christine,
Just in case it is a help, do take a peek here:-
https://www.propertyinvesting.com/topic/4410491-the-big-picture-for-new-readers-especially/

There is a specific post in that link that tackles the question “Why use IO loans and not P&I loans?”
It may expand on the WHY you should use IO area. Of course, though IO can be…[Read more]

Hi all,
While composing a reply to the age-old question “Is NOW a good time to be buying property?”, a thought struck me, and I went looking for an Article that held the info I was wanting to share. It was about the property “cycle” and the best/worst parts of the cycle to buy or sell.

Instead, I found this…[Read more]

Hi all,
While composing a reply to the age-old question “Is NOW a good time to be buying property?”, a thought struck me, and I went looking for an Article that held the info I was wanting to share. It was about the property “cycle” and the best/worst parts of the cycle to buy or sell.

Instead, I found this…[Read more]

Hi all,
While composing a comment in a reply today, a thought struck me, and I went looking for an Article that held the info I was wanting to share. It was about the property “cycle” and the best/worst parts of the cycle to buy or sell.

Instead, I found this one……
https://www.propertyinvesting.com/buy-properties-in-australia/
…..…[Read more]

Hi all,
While composing a comment in a reply today, a thought struck me, and I went looking for an Article that held the info I was wanting to share. It was about the property “cycle” and the best/worst parts of the cycle to buy or sell.

Instead, I found this one……
https://www.propertyinvesting.com/buy-properties-in-australia/
…..…[Read more]

Hi all,
While composing a comment in a reply today, a thought struck me, and I went looking for an Article that held the info I was wanting to share. It was about the property “cycle” and the best/worst parts of the cycle to buy or sell.

Instead, I found this one……
https://www.propertyinvesting.com/buy-properties-in-australia/
…..…[Read more]

Hi Minimogul,
I was happy to Log in and see that you still frequent this place (though maybe not so frequently as before??) Anyway, I was very happy to see you here again, and it reminded me of the Introductory Post to my “Big Picture” thread for newer investors.
This quote of yours says it all really !!

I don’t need to move markets, b…

[Read more]

Hi Catalyst,

In a few years some people are going to be in great pain. Especially those negatively gearing properties.

For sure !!! The big thing with future rises will be how carefully the RBA cranks the IR’s up again.

See, with the exchange rates at 2%, if the RBA lifts to 2.5%, that is a 25% increase. The banks will feel it, and, though…[Read more]

Hi Catalyst,

How do you post photos on this site?

Check this out – Andrew gave someone else a step-by-step instruction to post a photo :-
https://www.propertyinvesting.com/topic/4995714-youngest-nobel-peace-prize-ever-winner-malala-yousafvsai/#post-4996543

Benny

Hi Lloyd,
First, welcome to this place – I hope you stick around and gain from being here (even if your posts aren’t answered right away). :p

To your questions, I can help with just one – to find who owns a property, you would need to contact the Titles Office in your State. Usually, they have a way whereby you can purchase basic Titles…[Read more]

Hi again,
Well, you see, THIS is why you need expert advice :-

Since you say it was your PPOR (your home, or “Principal Place Of Residence”) there would be NO CGT to pay up to Jan 2015.

It was only after I hit Submit that it came to me – you MIGHT need to pay CGT since 2005 – IF you had partially rented your PPOR at any time over that ten yea…[Read more]

Hi Czerney,
Welcome to this place – I hope you get a lot from the experience of “being here”….

I got a licenced valuer to value the property based on the renting start date,

Smart move !! Well done.

but I guess my question is what will my capital gains tax obligation likely to be based around if I decide to sell. Based on the…

[Read more]

Hi Chris,

Ideally i want to minimize my cash investment on the next house

i.e. borrow against the equity in your PPOR – sure, no problem if the Equity is available to do so.

…so i have looked into the idea of cross-collatorisation.

No need to do that – and you really don’t want to go there (mostly). There is a lot to consider, and a…[Read more]

Hi Matt,

I understand that vacancy rates are the measurement of time where a rental is vacant, however, I’ve noticed its measured in a percentage.

It is measured in a percentage primarily because it involves numbers only, not time. Vacancy Rate is worked out like this :-

Number of properties available for rent in a suburb / Total number o…[Read more]

Hi Ivan,
Yes those templates are still available. First, register your book via this link :-
https://www.propertyinvesting.com/store/0-130-properties-revised/register/ and a followup email takes you to the pages you want.

I believe the templates may have been updated to match the revised version of the book. So if you have the earlier book…[Read more]

Hi Matt,

The reason why I’m thinking of paying Principle and Interest is because I want to have an LVR of 80%, then change to interest only.

In that link I added last post, DO be sure to read the reference to Offset Accounts as well as the Do I pay PandI or IO?

See, Offset Accounts can have you effectively “paying off 20% of your P…[Read more]

Hi Matt,
Good on you for turning your sights this way at such a young age. It is really good that you already have a sizable amount of savings, and this will be the start of something good as you are obviously looking to use it in a profitable way.

What I would suggest is that you set aside time (and some $$) to educate yourself in your…[Read more]

Capital Gains Tax (CGT) is a complicated beast !!

There are some “well-known” good bits (e.g. your PPOR remains CGT exempt for up to 6 years after you move out of it – BUT there are some conditions around that, so check first).

And, when buying, there are little gotcha’s that might trip you up – so read up, or ask away, BEFORE buying your…[Read more]

Capital Gains Tax (CGT) is a complicated beast !!

There are some “well-known” good bits (e.g. your PPOR remains CGT exempt for up to 6 years after you move out of it – BUT there are some conditions around that, so check first).

And, when buying, there are little gotcha’s that might trip you up – so read up, or ask away, BEFORE buying your…[Read more]

Capital Gains Tax (CGT) is a complicated beast !!

There are some “well-known” good bits (e.g. your PPOR remains CGT exempt for up to 6 years after you move out of it – BUT there are some conditions around that, so check first).

And, when buying, there are little gotcha’s that might trip you up – so read up, or ask away, BEFORE buying your…[Read more]