https://www.propertyinvesting.com/members/carlito/activity/ Activity feed for Carlito. Tue, 14 Apr 2026 22:59:17 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 f5041ca816c34ba2620e72705f2c3bcc https://www.propertyinvesting.com/topic/4410292-wodonga/#post-4696438 Tue, 19 Nov 2013 23:41:03 +0000 Thanks Guys for your feedback! Heading up there this weekend to have a look at a few properties but also to get a feel for the area. Carlito

]]> ced78e66abc5e17afbb84eda5ea0d021 https://www.propertyinvesting.com/topic/4396010-free-residex-property-reports-for-victorian-tasmanian-and-south-australian-properties-investment-or-owner-occupied/page/17/#post-4602820 Sun, 22 Jul 2012 05:11:34 +0000 Hi Mike,Thank you for sending thoses reports! Really helped me out in the endCarlito

]]> aba12bd7a77bef817923c5d1cee385cb https://www.propertyinvesting.com/topic/4406923-unemployment-figures/#post-4672320 Thu, 21 Jun 2012 23:44:56 +0000 Thanks NHG,I'll have a look at the website for some info.Carlito

]]> 717907b66c341582976f0933f09a9e92 https://www.propertyinvesting.com/topic/4396010-free-residex-property-reports-for-victorian-tasmanian-and-south-australian-properties-investment-or-owner-occupied/page/16/#post-4602807 Wed, 31 Aug 2011 01:48:10 +0000 Thanks for the Reports Mike,They are a great help and very much appreciatedCarlo

]]> 0f6a4e55b8034fc90b95a51455e4efca https://www.propertyinvesting.com/topic/4404162-gifts-to-dft/#post-4651384 Sun, 10 Jul 2011 09:43:50 +0000 Thanks Terry!!

]]> 15bb259737989599e1df1f6fbdbe4019 https://www.propertyinvesting.com/topic/4404162-gifts-to-dft/#post-4651382 Sun, 10 Jul 2011 09:28:15 +0000 Hi guys!Now I getting a better understanding!Thanks guys for your time as always!CarlitoPS Terry what part of the deed did you have thoses terms- under what heading?

]]> e5a7c9f9380a9e4d8c7db9028f140f2f https://www.propertyinvesting.com/topic/4404162-gifts-to-dft/#post-4651379 Sun, 10 Jul 2011 06:03:22 +0000 Hi Terry,Thanks for your response. How is it dealt though when withdrawing funds from the trust when you have gifted the money to it instead or loaning it?Carlito

]]> ff6eb4c236d5d04b5d5f27aabaed5265 https://www.propertyinvesting.com/topic/4404151-interest-free-loan-to-family-trust/#post-4651334 Fri, 08 Jul 2011 04:47:15 +0000 Thanks Terry for everythingUntil next timeTake careCarlito

]]> 126cb58ba940d9d39c3c1af7d7893958 https://www.propertyinvesting.com/topic/4404151-interest-free-loan-to-family-trust/#post-4651333 Fri, 08 Jul 2011 04:28:08 +0000 Ok so it's not returnable but a loan is,1. The trust should pay its own loans. If it hasn't got enough cash to do so it could borrow from you, or you could gift. Don't forget you are not the trust and the trust is not you. so you shouldn't be paying from personal to trust etc as this would look like there is not trust in existance.Like you have…[Read more]

]]> 218bc3bdbd3c3ca6c3b10a858376f2e3 https://www.propertyinvesting.com/topic/4404151-interest-free-loan-to-family-trust/#post-4651331 Fri, 08 Jul 2011 04:00:54 +0000 Hi Terry,Thanks for your advice, you've made it much more clear now.Can I ask you what the difference is between lending the money to the trust and gifting the money to it? Like you said you don't have to charge interest on a gift but is that all? I guess you can still lend the money to the trust –  just make it a interest free loan.Carlito

]]> 08be18110bd6722458ee6365c00fecd1 https://www.propertyinvesting.com/topic/4404151-interest-free-loan-to-family-trust/#post-4651328 Fri, 08 Jul 2011 03:32:08 +0000 Hi Terry,So if Im getting charged interest then I should charge the trust the same amount back but If I'm not getting charged interest due to have  the cash then the trust shouldn't either? do you agree?My aim is to buy property through the trust, so let's say I had the 20% which I lend to the trust and the 80% the trust borrows under the trust na…[Read more]

]]> 488d2d67b1aaeff4195b05257b5fe369 https://www.propertyinvesting.com/topic/4404151-interest-free-loan-to-family-trust/#post-4651326 Fri, 08 Jul 2011 02:00:44 +0000 Hi Terry,If I can charge any interest rate then what's the benchmark rate mean? When does this apply? Is it only when lending money from company to another company? bit confused.In regards to claiming the interest, if the trust makes a profit and get distributed to the beneficiaries lets say my wife and I which then gets added to our…[Read more]

]]> 64f70412aad38ecfcfd89aa879b212d0 https://www.propertyinvesting.com/topic/4404151-interest-free-loan-to-family-trust/#post-4651324 Fri, 08 Jul 2011 01:36:36 +0000 Hi Terry,I was hoping that you would respond – thanks!So Terry your saying that I should charge the trust interest – but at the same rate which I'm paying so it cancels each other out?If the money I've given the trust wasn't borrowed then would you still have the trust pay interest back to you? This will then become income to me and the trust…[Read more]

]]> 7a082ee55fbf043e7c82c7aecac1ff90 https://www.propertyinvesting.com/topic/4398904-help-please-19/page/2/#post-4617860 Mon, 01 Mar 2010 01:58:13 +0000 Richard,Can I ask you how would you restruture the deal/deals going forward as per your comments previously about restructuring my deal and starting a fresh?Thanks againCarlitoYou have a free Residex Property Report, can I email you to receive a copy?

]]> e0bbae0961d97f4fbeb7f1f4aab687aa https://www.propertyinvesting.com/topic/4398904-help-please-19/page/2/#post-4617859 Sun, 28 Feb 2010 10:22:02 +0000 Ok Terry I'll look into itThanks once again.Carlito

]]> 4a2506f2d76f7880181b29bad9943fda https://www.propertyinvesting.com/topic/4398904-help-please-19/page/2/#post-4617858 Sun, 28 Feb 2010 10:17:36 +0000 Thanks YI for your comments!

]]> 50a5c867c12dba4868a15f6a14bb787b https://www.propertyinvesting.com/topic/4398904-help-please-19/page/2/#post-4617856 Sun, 28 Feb 2010 10:14:56 +0000 Thanks Terryw thats makes sence and gives me better understanding.I'll have to buy you a drink or two!!!Can I ask you should I set up an family trust before I buy my next IP? I'm not sure if do I or don't need it.What do you recommend or is this more of a tax issue?Carlito

]]> 9384a8d76dfc922d51a4327855fd4427 https://www.propertyinvesting.com/topic/4398904-help-please-19/#post-4617853 Sun, 28 Feb 2010 10:03:58 +0000 Qlds007 wrote:
From what you have written you will use up your equity fairly quickly so if you intend to keep on going I would look at restructuring the deal and starting a fresh.Course may not be possible depending on how you are holding the Com property but it would certainly be cleaner for youRichard,Can i ask you how would you restruture the…[Read more]

]]> 0350f415c77151a65b8743e899dde337 https://www.propertyinvesting.com/topic/4398904-help-please-19/#post-4617852 Sun, 28 Feb 2010 09:58:06 +0000 Thanks Terryw for your response.Can I ask why would you put your rent into an offset account instead of putting it directly onto the IP loan? Lets say the IP loan had redraw facility. Any reason for this?Thanks Carlito

]]> 5e4c659d6aff1713bf6c9817b174f8af https://www.propertyinvesting.com/topic/4398904-help-please-19/#post-4617849 Sun, 28 Feb 2010 03:18:19 +0000 Can I stick to this method and keep buying IP's without hitting a brick wall in the future? The LOC I'll obtain from my current bank but with the 80% new loan I will source from another lender.Is this ok? Or should I stick to one lender? Should I have an offset account and to which one? (LOC or New Loan). Lastly, should the LOC have the ability to…[Read more]

]]> 6e4a3519e108d46af5154c1096d82afb https://www.propertyinvesting.com/topic/4398904-help-please-19/#post-4617847 Fri, 26 Feb 2010 07:44:27 +0000 Thanks Richard & TerrywCan you explain to me what a Nodoc Commerical Loan is and how I would go about taking one out? I've never heard of it before And how can I get my commerical property to sercure itself? Can this be done now or further down the track.CarlitoThankyou guys once again for your assistance

]]> 88e0da44f2178999e374eb872b1cd61d https://www.propertyinvesting.com/topic/4398904-help-please-19/#post-4617842 Fri, 26 Feb 2010 05:51:19 +0000 Thanks Richard.That makes more sence.  If I'm using my PPOR as security for the commerical property is this a problem? Or should I've done it a different way?Carlito

]]> a03cc584feede3f3bce0b5163c819e31 https://www.propertyinvesting.com/topic/4398904-help-please-19/#post-4617840 Fri, 26 Feb 2010 05:40:06 +0000 Hi Terryw,What would you do in my situation? Am I correct in saying that the most i can get for a LOC is $246,000?I would like to borrow about 350,000 for my next IP but can I do this without CC my loans? LOC is only at $246,000 (if that's correct)I just want my loan structure correct going forward. Carlito

]]> 980a6397adc832ae564d84284c692c68 https://www.propertyinvesting.com/topic/4398904-help-please-19/#post-4617837 Fri, 26 Feb 2010 04:13:09 +0000 Thankyou for your advice guys.Duckster I understand what your saying but shouldn't you take of the $300,000 loan also into account which is still owing?Like your comments above 700,000 LVR of 80% = $560,000 but then should you deduct the $314,000?? (14,000 & $300,000) which leaves a LOC of 246,000??Sorry but i'm just trying to get a better u…[Read more]

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