PropertyInvesting.com | Cartman123 | Activity https://www.propertyinvesting.com/members/cartman123/activity/ Activity feed for Cartman123. Fri, 17 Apr 2026 17:19:42 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 9a3d93b39338e65873ce1a5e5ddbc9da Cartman123 replied to the topic Just starting out - looking for good accountant and/or prop. investment advisor in the forum Help Needed! https://www.propertyinvesting.com/topic/5015232-just-starting-out-looking-for-good-accountant-andor-prop-investment-advisor/#post-5015461 Tue, 03 Nov 2015 04:24:56 +0000 Interesting… this looks like some sort of company structure, where an employee receives an income from their employer.. does this need a trust in place to work ?

Cheers,
Cartman

]]> 4cc49b4ededf18b7f36bdec9d6653d2f Cartman123 replied to the topic Just starting out - looking for good accountant and/or prop. investment advisor in the forum Help Needed! https://www.propertyinvesting.com/topic/5015232-just-starting-out-looking-for-good-accountant-andor-prop-investment-advisor/#post-5015456 Tue, 03 Nov 2015 03:13:07 +0000 Sorry to change the theme of the thread. Terry, does the spouse need to be on the loan/mortgage as well as the title/s for that to occur ? Or just on the loans/mortgages itself…?

https://www.ato.gov.au/rba/content/?ffi=/misc/RBA/Content/89363.htm

From what I can see on the ATO link above, it seems to be the person on the Title that can claim…[Read more]

]]> d9613784ec883290c52e2cf0c548bef0 Cartman123 replied to the topic Loan Structure and which bank ? in the forum Finance https://www.propertyinvesting.com/topic/5015205-loan-structure-and-which-bank/#post-5015413 Mon, 02 Nov 2015 12:30:13 +0000 Will the loans that are only secured against the PPOR, be at 4.19%? Or the overall rate for all loans be ~ 4.19% including IP, if the PPOR equity is used as the 60k deposit?

Isn’t the idea to keep the two (PPOR and IP) in seperate banks, how will that work at ~4.19% ?

Cheers,
Cartman

]]> 7026cc281bae6f43e1624c2bdb987ed8 Cartman123 replied to the topic Loan Structure and which bank ? in the forum Finance https://www.propertyinvesting.com/topic/5015205-loan-structure-and-which-bank/#post-5015295 Sat, 31 Oct 2015 22:58:17 +0000 Thanks Richard, appreciate your insight.

I guess it comes down to a question of risks Vs rates. PPOR Equity Vs IP Equity. Which one ?
Considering worst case.. should the banks decide to recover the house for the mortgages (default), I’d rather they take the IP, then the PPOR any-day / any-time.

thoughts ???

Cheers,
Cartman

]]> 403681c11acbf69829bc22ee86ec9177 Cartman123 replied to the topic Loan Structure and which bank ? in the forum Finance https://www.propertyinvesting.com/topic/5015205-loan-structure-and-which-bank/#post-5015243 Fri, 30 Oct 2015 12:28:59 +0000 I left planning and strategy till the last minute… I know it’s a newbie mistake…:(

The contract’s drawn up for the new IP and I’m out of time… Don’t know if I can stall for much longer..

I was hoping to get some quick help on this forum…

]]> 6a3d77b4a7add408925a31552cc01b9b Cartman123 replied to the topic Loan Structure and which bank ? in the forum Finance https://www.propertyinvesting.com/topic/5015205-loan-structure-and-which-bank/#post-5015211 Fri, 30 Oct 2015 00:14:31 +0000 Absolutely, slowly but surely… that is the plan.

Cheers,
Cartman

]]> bdb17e3058b90a952722f8124d9aae83 Cartman123 started the topic Loan Structure and which bank ? in the forum Finance https://www.propertyinvesting.com/topic/5015205-loan-structure-and-which-bank/ Thu, 29 Oct 2015 12:44:55 +0000 Hi All,
Long time reader.. first time poster… :)

Need some help and expertise opinions (as read from the vast amount of knowledge on this forum) on how you would structure this.


-Part 1-


Current:-

1) 60K –> PPOR (used of for business Car purchase) (PPOR Value 700K)
2) 200K –> IP (Valued 400K, and @ 200K equity)


Planned :-

1)…[Read more]

]]> 65aebee62be1248125bbadc786b45c06 Cartman123 started the topic Loan Structure and which bank ? in the forum Finance https://www.propertyinvesting.com/topic/5015205-loan-structure-and-which-bank/ Thu, 29 Oct 2015 12:44:55 +0000 Hi All,
Long time reader.. first time poster…

Need some expertise opinions (as read from the vast amount of knowledge on this forum) on how you would structure this.


-Part 1-


Current:-

1) 60K –> PPOR (used of for business Car purchase) (PPOR Value 700K)
2) 200K –> IP (Valued 400K, and @ 200K equity)


Planned :-

1) Existing 60K…[Read more]

]]> 1060d361b41aee53dac6a9083db657f7 Cartman123 replied to the topic Henry tax review in the forum General Property https://www.propertyinvesting.com/topic/4399747-henry-tax-review/page/2/#post-4623357 Tue, 04 May 2010 06:18:28 +0000 KRudd… What a joke!  But do we have an alternative…. really….???

]]> d14809a932f5dadd35c5c0234de4bf97 Cartman123 replied to the topic Henry tax review in the forum KRudd... What a joke!  But https://www.propertyinvesting.com/topic/4399747-henry-tax-review/page/2/#post-4623356 Tue, 04 May 2010 06:18:24 +0000 KRudd… What a joke!  But do we have an alternative…. really….???

]]> 3686d686a4942cbe1eea236e8eda6166 Cartman123 replied to the topic Fiji - Anyone have experience investing here ? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4399459-fiji-anyone-have-experience-investing-here/#post-4621625 Thu, 15 Apr 2010 13:56:34 +0000 roman9 wrote:
" it is like investing in the future gains of a pirate ship on the high seas". hope you got the message.

LOL!  reading that loud and clear.  Roger that… :)Cheers Cartman

]]> 54e40401c96cb66051745ce556a7d752 Cartman123 replied to the topic Fiji - Anyone have experience investing here ? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4399459-fiji-anyone-have-experience-investing-here/#post-4621622 Sat, 10 Apr 2010 14:30:16 +0000 Yes. I know all of what has happened and is happening there.  We have relatives still there .  Despite all that,  the biggest and most prominent investors in Fiji are foreigners. How are they doing it, is what I want to know?

]]> 5cd56b2e6d4fda5837ffa52ade8cc0e6 Cartman123 replied to the topic Cross Collaterisation in the forum Finance https://www.propertyinvesting.com/topic/4399435-cross-collaterisation-4/#post-4621453 Sat, 10 Apr 2010 14:17:16 +0000 Banker:  What you've said contradicts what others are saying on this forum. However, what you're saying seems plausible and quite likely reality.This is the first time I have heard, the term Cross-C (being new)  and splitting lending was recommended to me by some very credible people / brokers, on this forum. So are they all living in fairyland ?…[Read more]

]]> 8f579dbf61f6e8b82d1bbb3105fe7c8d Cartman123 replied to the topic Cross Collaterisation in the forum Finance https://www.propertyinvesting.com/topic/4399435-cross-collaterisation-4/#post-4621451 Sat, 10 Apr 2010 01:31:12 +0000 v8ghia wrote:
Hi Cartman – and welcome to the forum. Now……They can (in extreme situations) and its called 'The All-Monies Clause'. Cheers 

Thanks, glad to be here…  Learnt more in a month here, then I have in the 32 years of  my life…. Cheers,Cartman

]]> 4fda114a6ae71634ce3988a627fc1cb1 Cartman123 replied to the topic Cross Collaterisation in the forum Finance https://www.propertyinvesting.com/topic/4399435-cross-collaterisation-4/#post-4621448 Fri, 09 Apr 2010 03:05:59 +0000 duckster wrote:
WhyBecause if you had different loans with the same bank and default they can still seize your other properties to pay back what you owe them.

Hello all,  (New to the game)  Is this 100% confirmed ?  The loan contract you sign says what property secures what loan. So how can they go against that,  (in a default situation) , even…[Read more]

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