PropertyInvesting.com | chetnik73 | Activity https://www.propertyinvesting.com/members/chetnik73/activity/ Activity feed for chetnik73. Mon, 13 Apr 2026 15:22:18 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 49057dd2f22d4357905ba7de12546480 chetnik73 started the topic Duplex build. Loan advice needed. in the forum Help Needed! https://www.propertyinvesting.com/topic/5066655-duplex-build-loan-advice-needed/ Wed, 10 Jun 2020 21:25:21 +0000 Hi All

We are a couple looking to build a duplex on our block with the aim of one being our PPOR and one being an investment for the kids.

What do people suggest as a correct loan structure for such a project? PPOR P&I and investment as Interest only?

Also does the below project sound feasible? Our details below

Current house and land valued…[Read more]

]]> 380ad91a9ad04b7507e6c572019f1a54 chetnik73 started the topic Duplex build. Loan advice needed. in the forum Help Needed! https://www.propertyinvesting.com/topic/5066655-duplex-build-loan-advice-needed/ Wed, 10 Jun 2020 21:25:21 +0000 Hi All

Firstly, apologies if i break any posting rules but am new to forum.

We are a couple looking to build a duplex on our block with the aim of one being our PPOR and one being an investment for the kids.

What do people suggest as a correct loan structure for such a project? PPOR P&I and investment as Interest only?

Also does the project…[Read more]

]]> 0a1bd9a98d392d7cf5af237ed02830ad chetnik73 started the topic How can I get a non cross collaterised loan? in the forum Help Needed! https://www.propertyinvesting.com/topic/5033377-how-can-i-get-a-non-cross-collaterised-loan/ Mon, 06 Mar 2017 02:28:16 +0000 Hi All

Relatively new to this so bear with me.

I’m looking to add to my first investment property by using existing equity. We have an IP that is probably valued at about 120k over what we purchased it for. Also our PPOR has about 700k in equity.

My question is what do I need to do to draw a loan for another IP purchase and how can I avoid…[Read more]

]]> 432334f0ea0de86ffae3414f0dbf964e chetnik73 replied to the topic Buy a PPOR and a 2nd IP. Possible? in the forum Help Needed! https://www.propertyinvesting.com/topic/4410597-buy-a-ppor-and-a-2nd-ip-possible/#post-4698759 Sun, 26 Jan 2014 08:26:26 +0000 Hi Qlds007

Thanks for the response.

Not sure why i would secure the sub loan against the PPOR. 

As we haven't yet purchased the PPOR, would it not be more beneficial to draw down the equity from our IP instead?

Given we are trying to put as much deposit as we can against our PPOR, I'd like an option that means no extra money directly out of…[Read more]

]]> abf2024a556801249d09ce945202949a chetnik73 replied to the topic Buyers Agents Reviews in the forum Help Needed! https://www.propertyinvesting.com/topic/4401518-buyers-agents-reviews/#post-4634141 Sun, 03 Nov 2013 10:16:37 +0000 Sorry to bring back a thread from the dead, but was wondering if anybody had a more recent experience with Vicki Small from sydney buyers agents.

Also can somebody give a realistic expereince of using a BA in a heated market like we have currently and what (if any) benefit this provided to them.

Thanks

]]> 36c54b9892da128d18d58a86edd35d47 chetnik73 replied to the topic PPOR purchase to offset or not? in the forum Finance https://www.propertyinvesting.com/topic/4409314-ppor-purchase-to-offset-or-not/#post-4690531 Sat, 01 Jun 2013 07:55:58 +0000 Sorry couldn't see the link to the article? Can you please resend or PM me

]]> 4ae237c0ae9e06d5819ca974ed0e1b34 chetnik73 replied to the topic PPOR purchase to offset or not? in the forum Finance https://www.propertyinvesting.com/topic/4409314-ppor-purchase-to-offset-or-not/#post-4690528 Sat, 01 Jun 2013 02:37:57 +0000 Hi

Yes the goal is to pay it off as quickly as possible. But I am interested in the option of it becoming an IP as it is not likely to be our last home.

We are looking for a property for 800K. What I am trying to find out is it is better to get a loan for 800k and leave 250 in offset (assuming stamp duty and reno costs) and pay IO, or a 550k P&I…[Read more]

]]> 899a87b89b92ad4a9a278c70cc4b9153 chetnik73 replied to the topic PPOR purchase to offset or not? in the forum Finance https://www.propertyinvesting.com/topic/4409314-ppor-purchase-to-offset-or-not/#post-4690526 Fri, 31 May 2013 22:10:33 +0000 Bump.

Still looking for a calculator which can show me the benefit of IO with an offsett ac as opposed to P&I payments.

Any links ?

]]> 6c717d9784c3cd3e397a2ce62457a75c chetnik73 replied to the topic Stephen Tolle & Cherie Barber workshop in the forum Value Adding https://www.propertyinvesting.com/topic/4399867-stephen-tolle-cherie-barber-workshop/page/3/#post-4624151 Tue, 15 Feb 2011 12:19:18 +0000 HiDoes anybody have their DVD's that they would be willing to sell cheaply to another investor.PM me with a price !

]]> ce0cb9365b0ab463d77db2d8ffa058c0 chetnik73 replied to the topic Sydney Terrace Reno for an IP in the forum Help Needed! https://www.propertyinvesting.com/topic/4395468-sydney-terrace-reno-for-an-ip/#post-4599476 Thu, 19 Feb 2009 09:54:32 +0000 Hi RichardHappy to chat further. Please drop me a PM

]]> e3b61768e45e1243bf0ab557a9069d57 chetnik73 replied to the topic Sydney Terrace Reno for an IP in the forum Help Needed! https://www.propertyinvesting.com/topic/4395468-sydney-terrace-reno-for-an-ip/#post-4599474 Thu, 19 Feb 2009 09:07:48 +0000 Nope, we live pretty modestly. I think his thinking was that we didnt have enough deposit for both an IP and an expensive say 500-600k sydney house.My thinking was that with current interest rates we could lock away an almost cash neutral IP and then concentrate on our own home. Fixed interest loan would be close enough we think for the rent to…[Read more]

]]> 7bc787bd0518149588a6e2190d306526 chetnik73 replied to the topic Should I buy a PPOR and turn it to an IP ? in the forum Help Needed! https://www.propertyinvesting.com/topic/4395364-should-i-buy-a-ppor-and-turn-it-to-an-ip/#post-4599082 Mon, 09 Feb 2009 11:09:16 +0000 Thanks freelance2020. Any ideas on this as a strategy though?We are a young couple with one IP currently. We would love to buy another IP whilst rates are low and lock in a fixed term for three years just to see what would happen, then decide in three years if we hold or sell. Out of pocket expense would be minimal. Only problem is that we also…[Read more]

]]> bc24128cc30b4e7462c5a5c581ed4a4b chetnik73 replied to the topic Any Investors who have found quality buyers agents in Adelaide or Brisbane? in the forum General Property https://www.propertyinvesting.com/topic/4392131-any-investors-who-have-found-quality-buyers-agents-in-adelaide-or-brisbane/#post-4581763 Tue, 04 Nov 2008 09:58:38 +0000 Sorry call me cynical but it is strange to get recommendations to such an old post from people who have had only 1 post. Care to expand on the details of your purchase and the deal you got from the brokers ?

]]> f81c56c40d75633a16286a99e0d49b67 chetnik73 replied to the topic Can reno's make money or does stamp duty negate any gains? in the forum Help Needed! https://www.propertyinvesting.com/topic/4394606-can-renos-make-money-or-does-stamp-duty-negate-any-gains/#post-4595014 Sat, 01 Nov 2008 03:37:13 +0000 hbbehrendorff wrote:
There will be such awesome deals coming in the future,  It really is very excite,  I can't wait.You will be able to buy good homes for 200k,  land for less then 100k,  Office Blocks will be reduced a few hundred thousand and you will be able to buy shopping centres for only 1 mil.If you really want to make money now you sho…[Read more]

]]> 8f8cf988ef9d08f4e224fc4f34df75f8 chetnik73 replied to the topic Can reno's make money or does stamp duty negate any gains? in the forum Help Needed! https://www.propertyinvesting.com/topic/4394606-can-renos-make-money-or-does-stamp-duty-negate-any-gains/#post-4595013 Sat, 01 Nov 2008 02:28:36 +0000 Thanks Crashy, I appreciate the hopen and honest advice. Too often on the forums people spam/abuse others for simply trying to learn something. All the responses are great and I am thinking my strategy through carefully

]]> a491db760f3016b52cd1615d0f3b6493 chetnik73 replied to the topic Can reno's make money or does stamp duty negate any gains? in the forum Help Needed! https://www.propertyinvesting.com/topic/4394606-can-renos-make-money-or-does-stamp-duty-negate-any-gains/#post-4595011 Fri, 31 Oct 2008 23:12:41 +0000 I try to do a $100k reno for $25k. I only buy from desperate sellers, and I add square footage to the living area somehow. If you don't mind me asking, what is your tip/s to do this?

]]> 44b6063dcf25274f5909d306c9110c57 chetnik73 replied to the topic Chan and Naylor accountants in the forum General Property https://www.propertyinvesting.com/topic/4392086-chan-and-naylor-accountants/page/3/#post-4581569 Thu, 30 Oct 2008 06:29:41 +0000 Apologies for mis-quoting but it was Paul Keating who once said ' The only thing that you can bet on is self promotion'.

]]> 49208987d49fab0abcb780ce14df7b59 chetnik73 replied to the topic Can I claim interest ? in the forum thanks guys I appreciate the https://www.propertyinvesting.com/topic/4391552-can-i-claim-interest/#post-4577981 Sat, 01 Dec 2007 07:30:58 +0000 thanks guys I appreciate the advice

]]> b15c187ee288a81732f6f8ba64a72518 chetnik73 replied to the topic Is cash flow positive possible using a buyers agent ????? in the forum Help Needed! https://www.propertyinvesting.com/topic/4390338-is-cash-flow-positive-possible-using-a-buyers-agent/#post-4571373 Wed, 01 Aug 2007 13:19:02 +0000 Did I ask a stupid question or has nobody had any sucess in getting a buyers agent to source them a cashflow positive property.if so, any websites addresses would be appreciated

]]> b531f38958e9648e95e93484648c5402 chetnik73 replied to the topic Help with Depreciation in the forum Help Needed! https://www.propertyinvesting.com/topic/4390180-help-with-depreciation/#post-4570584 Sat, 21 Jul 2007 00:22:31 +0000 Hi guys can you please start a new thread for your discussion about cost of surveyors etc. I keep getting post notifications and it is off topic.Thanks

]]> 04586f4fbfbc1f0667bdf6eef4e79712 chetnik73 replied to the topic Should we sell for Capital gain or do the numbers add up for postive/negative gearing ? in the forum Help Needed! https://www.propertyinvesting.com/topic/4389388-should-we-sell-for-capital-gain-or-do-the-numbers-add-up-for-postivenegative-gearing/#post-4566768 Wed, 25 Apr 2007 10:02:50 +0000 Yes that was my thinking. The only concern is to have enough money after this to buy our first home.I just wanted to know if people think this is a feasible option. I assume the property will appreciate in the next 10 years or so. Most properties do to a greater or lesser extent.I am also not sure if the 50 pw is ballpark for my out of pocket…[Read more]

]]> b56abff6667fc25d561fd13471f649e8 chetnik73 replied to the topic Problems with builders/developers and variation to contract. in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4389313-problems-with-buildersdevelopers-and-variation-to-contract/#post-4566355 Wed, 18 Apr 2007 02:48:49 +0000 SureMy problem lies in that the representations were verbals from the salespeople. I dont think we have anything in writing that said when the settlement would occur.Any solictors online who can tell me if I have a leg ot stand on ?

]]> fc54a8390466d865608e479a3dd985c0 chetnik73 replied to the topic SMSF investing with a self managed super fund in the forum No Subject https://www.propertyinvesting.com/topic/4388943-smsf-investing-with-a-self-managed-super-fund/#post-4564493 Mon, 19 Mar 2007 07:13:33 +0000 But cant you borrow money in your name and pay it into the super fund as a deposit, effectively loaning enough money to the fund to buy the asset.

]]> dad97d841a77a27933f2b05bdf151b65 chetnik73 replied to the topic Build and Sell or hold and use equity in the forum Help Needed! https://www.propertyinvesting.com/topic/4388518-build-and-sell-or-hold-and-use-equity/#post-4562654 Tue, 20 Feb 2007 01:41:29 +0000 Yeh I have thought about avoiding the CGT but I think I will have a tough time convincing the tax man that I am a permanent resident of WA when I actually work full time in NSW. Sorry, I am a newbie here so maybe this is possible.

I take the point on the lower rent expectation. Not sure how much more capital growth is in the WA market at the…[Read more]

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