PropertyInvesting.com | cathnniv | Activity https://www.propertyinvesting.com/members/cathnniv/activity/ Activity feed for cathnniv. Sat, 11 Apr 2026 23:19:27 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 e0df4b4b4d15f92c7e11c024413086c2 cathnniv replied to the topic Refinancing help clarify needs in the forum Help Needed! https://www.propertyinvesting.com/topic/4409745-refinancing-help-clarify-needs/#post-4693479 Fri, 02 Aug 2013 12:39:14 +0000 Thanks Jaime and Richard,
I will be getting advice asap. 
Would it be worthwhile trying to refinance simply for a better interest rate? Currently on 7.5 with non traditional lender.

]]> 18f0151efb86abd004df16083368fa97 cathnniv replied to the topic Refinancing help clarify needs in the forum Help Needed! https://www.propertyinvesting.com/topic/4409745-refinancing-help-clarify-needs/#post-4693476 Mon, 22 Jul 2013 07:53:10 +0000 Thanks for the feedback..
I was hoping to refinance in my name only so we have more options at a later date. I have been on parttime work until this week so effectively my income just doubled hopefully enabling me to refinance as on 25 thou im pretty sure no one would touch me.
My husband earns 3 times his weekly employee pay per weekend but it…[Read more]

]]> 41e9a39e8c7df59ff58d40d5b59cfaac cathnniv replied to the topic More job losses in Geelong in the forum Help Needed! https://www.propertyinvesting.com/topic/4409495-more-job-losses-in-geelong/#post-4691973 Sat, 08 Jun 2013 08:36:37 +0000 Such an interesting post. Thank you.
I much prefer to hear from the horses mouth than believe the media.
Also like to hear good quality discussion on these points and various differing views.
Very interesting.

]]> 94ba209d158f4c0ba8f106a3b4b8e83f cathnniv replied to the topic How Much Money Do I Need Saved To Start Investing? in the forum Help Needed! https://www.propertyinvesting.com/topic/4406349-how-much-money-do-i-need-saved-to-start-investing/page/2/#post-4667750 Sat, 02 Jun 2012 11:49:59 +0000 Hi Ozlat,

If your happy to wait your credit file is free through Veda just takes a bit longer also from someone with previous bad credit history (minor but hubbies wasn’t) sometimes getting the report is a relief as you know whats in it, how bad it really is and what to start fixing eg pay if not paid and have noted as paid.

Best place to start…[Read more]

]]> 5b4f47f137f8a83f9ae1fb10b1dc9598 cathnniv replied to the topic Using mortgage broker vs. applying directly to the bank ? in the forum Finance https://www.propertyinvesting.com/topic/4404421-using-mortgage-broker-vs-applying-directly-to-the-bank/page/2/#post-4653693 Tue, 30 Aug 2011 02:07:55 +0000 how difficult is it to do everything needed with a broker out of town?
No good brokers in my town and i prefer to use a broker.

]]> 45a3d53234f2590bd6d2061b703b64e3 cathnniv replied to the topic cross colaterising help? in the forum Help Needed! https://www.propertyinvesting.com/topic/4404557-cross-colaterising-help/#post-4654657 Mon, 29 Aug 2011 23:21:28 +0000 Hi, Thanks everyone for your advice.
Regarding the 50k this is made up of a few things not just my deposit so my portion will be finalised soon. As this is under mortgage we were trying to roll into one loan for ease of payment using the ipp as security and will therefore look more closely at equity use and having an offset account. I was not…[Read more]

]]> 6c46e8d32017eac1c80d0373beefc884 cathnniv replied to the topic 1st investment prop JV in the forum Help Needed! https://www.propertyinvesting.com/topic/4402527-1st-investment-prop-jv/#post-4640116 Fri, 28 Jan 2011 23:54:37 +0000 Hi Richard,

Valuations were more of a concern for deposits going forward than anything else.

Is it not possible to buy and hold future properties without using a trust type setup? Does this limit the flexibility?
We are still researching how to go about all this as you can probably tell by my niave questions, our main concern is being able to…[Read more]

]]> 23795c1df40a2483001fcc4a4c6ae33f cathnniv replied to the topic 1st investment prop JV in the forum Help Needed! https://www.propertyinvesting.com/topic/4402527-1st-investment-prop-jv/#post-4640114 Tue, 25 Jan 2011 07:31:02 +0000 thanks everyone,
well broker said no prob to get started.

wecan put three names on mortgage mum,dad, me, borrow up to $300000 depending on valuation of our homes which we valued conservatively and use equity from dads for dep etc, everything we were hoping for to get started other than it seems moving onto house number two will be difficult as…[Read more]

]]> 95dca76c43c6092aa36de84d60295bfa cathnniv replied to the topic line of credit possibility? in the forum p.s noneedforreno $ deposit https://www.propertyinvesting.com/topic/4402543-line-of-credit-possibility/#post-4640204 Mon, 24 Jan 2011 22:00:52 +0000 p.s noneedforreno $ deposit is all we are really after

]]> 9fa64aa9bfaf0b873ca71e8cf0d05351 cathnniv replied to the topic line of credit possibility? in the forum I do recieve part b family https://www.propertyinvesting.com/topic/4402543-line-of-credit-possibility/#post-4640203 Mon, 24 Jan 2011 21:59:59 +0000 I do recieve part b family payment for two children,youth allowance for the 16yr old.

father, mother (carers payment) and myselfwouldbe on the mortgage with my contribution being equity only.

let youknow how we go with broker today

]]> d876e4f5114d891ebe26e50450e0a13e cathnniv replied to the topic 1st investment prop JV in the forum Help Needed! https://www.propertyinvesting.com/topic/4402527-1st-investment-prop-jv/#post-4640112 Mon, 24 Jan 2011 21:56:27 +0000 Thanks Richard,

I was intending to borrow the minimum dep required on a $139,000 unit from my equity as my contribution and use dads income for repaying the loan. Both names and combined income would be on the loan therefore helping serviceability and getting us both into our 1st IP.

We are seeing a broker today so we’ll see how i go but dad…[Read more]

]]> dfb885c72f0d9c207257190339ba3f80 cathnniv replied to the topic line of credit possibility? in the forum great! all that equity is no https://www.propertyinvesting.com/topic/4402543-line-of-credit-possibility/#post-4640200 Mon, 24 Jan 2011 09:24:36 +0000 great!

all that equity is no use then?
I am married by the way though would not be putting husband down due to bad credit rating and my name only on mortgage/

]]> a58f10075f10874b37f1ed70b3adb30e cathnniv replied to the topic 1st investment prop JV in the forum Help Needed! https://www.propertyinvesting.com/topic/4402527-1st-investment-prop-jv/#post-4640110 Mon, 24 Jan 2011 09:21:52 +0000 ok,
paul and richard, thanks for the info, i’m guessing this needs settingup 1st?
is there no way to just put our names on the mortgage and agree on what each other adds to the deal?
As it’s our 1st and we need to move quick?

]]> 8074e585da58c5916c91beb73041367a cathnniv replied to the topic 1st investment prop JV in the forum Help Needed! https://www.propertyinvesting.com/topic/4402527-1st-investment-prop-jv/#post-4640107 Sun, 23 Jan 2011 04:14:51 +0000 thanks for the feedback.

we’d definately be buying with the ip being the security. Looking at using equity from my home for deposit with father paying any mortgage difference, maintenance etc.
just not sure how we make it a fair deal for eveyone involved?

]]> c2dae9504cb278ca95f7f0b6b352f190 cathnniv replied to the topic 1st investment prop JV in the forum Help Needed! https://www.propertyinvesting.com/topic/4402527-1st-investment-prop-jv/#post-4640105 Sat, 22 Jan 2011 01:43:26 +0000 clarify the above. buying one 2 bed unit in a block of four.

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