Total Members: 149,176

brahms

  • brahms replied to the topic cashbackhomeloans in the forum Finance 13 years, 6 months ago

    Originally posted by wealth4life:
    Ther are too many brokers around any way – where i live there is 11 brokers and 5 banks on the same road, surley these people must be find it hard to survive – thats why they are giving cash back to get the business …

    IMHO

    D

    more likely to see the banks close down their expensive branches rather than the…[Read more]

  • brahms replied to the topic Council Valuation in the forum Help Needed! 13 years, 6 months ago

    hi, not really – council vals are based on unimprove capital value, and are generally averaged over the last three rating periods.

    so, generally, they are less than useless for determining current value.

    cheers

    brahms
    Purveyor of Fine Finances
    aka Mortgage Broker Brisbane

  • brahms replied to the topic valuations in the forum Finance 13 years, 7 months ago

    hi grant, if its a sale the valuer will walk on broken glass to find the contract of sale, either from the bank or from the agent, solicitor, broker and anyone else if they can.

    as Terry said, there is some scope if the lvr is sub 80, and v little scope above with mainstream lenders.

    cheers

    brahms
    Purveyor of Fine Finances
    aka Mortgage Broker Brisbane

  • hi summer ’06

    alternatively you can wait till you sell it and then have it valued ‘as at <insert date>’.

    a lot of valuers prefer this as they can use sales which have occured after the actual date but still within reasonable time frames to establish what could be higher figure than what they could justify today.

    i’ve used Egan’s in melbourne…[Read more]

  • hi boomtown, with respect i think you will find that many of Australia’s new ‘talls’ have been extensively marketed off shore.

    its probably not a big issue.

    cheers

    brahms
    Purveyor of Fine Finances
    aka Mortgage Broker Brisbane

  • brahms replied to the topic Still a nightmare! in the forum Finance 13 years, 7 months ago

    six months sounds pretty oddball to me….to borrow your words sooshie.

    six days is more like it in most brokers worlds – unless its in the boonies then who knows.

    cheers

    brahms
    Purveyor of Fine Finances
    aka Mortgage Broker Brisbane

  • ummm, why did you buy this?

    the rental market shuns burnt orange bench tops just as much as the buying market does…..ooops sorry, you just bought it….

    why…..its like going to a car yard and coming home with a Valiant or a Leyland haha.

    cheers

    brahms
    Purveyor of Fine Finances
    aka Mortgage Broker Brisbane

  • Originally posted by Pepsi:
    When is it ok to quit your day job to go into Property Investing Full-Time? I only work part-time and I find it hard to find the time I need to put into looking for deals. Yet if I quit my job, I assume the banks won’t lend me as much as it would decrease my income. I feel as though I’m in a catch 22 situation. Any good…[Read more]

  • with minimal discretion we (humble mortgage broker) write 0.7.% off $250k aggregate borrowinigs – btw not blowing my trumpet, do same AND BETTER for many other funders.

    cheers

    brahms
    Purveyor of Fine Finances
    aka Mortgage Broker Brisbane

  • brahms replied to the topic Written Vals in the forum General Property 13 years, 7 months ago

    just a polite question john_preacher, why do you need st g’s vals?

    cheers

    brahms
    Purveyor of Fine Finances
    aka Mortgage Broker Brisbane

  • Originally posted by GeoffBeck:
    Finding an area with a long history of strong capital growth is and can be very challenging, which posses the question: ‘What techniques and resources do you use to gaining knowledge about a particular area?’

    Mine are:
    The API (Australian Property Investor) magazine is a great source of facts and figures, plus it…[Read more]

  • do you really want to spend $20k on a bathroom in a ’60’s flat?? solid gold throne?

    you could use these funds to purchase something else – i’m presuming dad isn’t footing the bill for the new shiny bathroom?

    cheers

    brahms
    Purveyor of Fine Finances
    aka Mortgage Broker Brisbane

  • “……the chairman of the Coalition’s backbench treasury committee, Steven Ciobo, says.
    He said the grant should go from $7000 to $15,000….”

    hehe, the chairman of the Coalition’s backbench treasury commitee…omg, who?

    slow news day?

    cheers

    brahms
    Purveyor of Fine Finances
    aka Mortgage Broker Brisbane

  • a lot of young singles take on places individually then let out the rooms – meaning they end up paying $10 per week and the other renters (other not so bright young singles) pay the rest of the rent…

    i guess as a landlord the market rate is essentially the same whether its for a family or for a single tenant.

    cheers

    brahms
    Purveyor of Fine…[Read more]

  • If land tax is a state legislated tax, surely if you purchase inv prop’s in various states this will help minimise your exposure in each state and therefore minimise your exposure to that states land tax.

    not perfect nor a solution for elkam as your portfolio is existing – maybe sell one in vic and buy in another state? maybe the math will work…[Read more]

  • Originally posted by kessud:
    Hi Guys n Gals
    I have a small problem with my PM. My tenant advised my PM that the shower recess drain was blocked .They promptly contacted me so as to arrange a plumber to fix the problem which i did. Two days after i had it fixed the tenant contacts another staff member in the office and advised the drain is still…[Read more]

  • Originally posted by Mortgage Hunter:
    Originally posted by brahms:
    isn’t michael76 one of jarrah’s alter ego’s? and therefore should be ignored.

    cheers

    brahms
    Purveyor of Fine Finances
    aka Mortgage Broker Brisbane

    Lighten up Brahms – these posts don’t do you any credit. You have a lot to give the forum so why not do so?

    I checked IP…[Read more]

  • yeah, seems to be a flood of pm’s and emails getting around.

    (may or may not have been admin approved)
    cheers

    brahms
    Purveyor of Fine Finances
    aka Mortgage Broker Brisbane

  • Originally posted by EJ2006:
    We have re-done some figures and taking into account all expenses, the property costs us $95 per week.
    We have to decide whether the $95 per week is better invested in our property or in Super. The house is on 541sq m block on a main rd.
    It does not need any renovations. It is a fibro house cladded in aluminium which…[Read more]

  • Originally posted by mumofthree:
    Perhaps i should’nt, but I read cracker.com.au and the real estate forum there. From time to time I Read the forum – but i do not contribute. It seems to be filled with some alarming stuff – if you beleive it. Some of what they chat about makes me think twice about Property Investing, but you have to laugh at the…[Read more]

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