It might be safer to use your own atm machine with all this skimming that is occurring.

You could use an online  gateway payment processor ! Check out the pricing of these sites…[Read more]

motard_mike wrote:
Hi Guys and Gals, $70k as a deposit.  $250 per week disposable income that i have just been saving in the past but i can put that towards repayments so should i keep renting and invest in something cheap say around $200k rent out and pay off.

With something cheap -Loan will be  $136,000 (6k hidden expense for stamp duty) ht…[Read more]

dreamerQLD wrote:
Ok, this may be a dumb question but…say i was to buy a house and get a 400K loan at 7%

If you were renting out this property then the costs are tax deductibleand the tenant is helping you cover some of the massive interest costs and other expenses with the rent they payHowever you could get the property trashed by a tenant…[Read more]

dreamerQLD wrote:
Ok, this may be a dumb question but…say i was to buy a house and get a 400K loan at 7%

If you were renting out this property then the costs are tax deductibleand the tenant is helping you cover some of the massive interest costs and other expenses with the rent they payHowever you could get the property trashed by a tenant…[Read more]

Don't really know about the eco friendly part but these are light weight concretehttp://www.boral.com.au/productcatalogue/product.aspx?product=1070http://www.eco-blockaustralia.com.au/faqs.htmThe next one uses a ceramic aggregate but is lightweighthttp://www.abilityproducts.com.au/14_lightweight_composite_concrete/hm_lightweightcc02.htmlNot easy…[Read more]

You may also need to investigate limited liability loans do a search as it has been mentioned before in this forum,

pashabulker1 wrote:
Hey everyone! My question, as you probably already know is: how much can I borrow? I'm looking at purchasing my first property which will be an investment property as I am still living with the parentals. I am currently a second year electrical apprentice earning $764.00 per/fortnight!!!!!!!!!

So $19864 per year is that…[Read more]

The trade off is later on when you sell it and get a capital gains tax exemption on your main dwelling / PPOR

kiwinvestor wrote:
I have just bought my first property, I paid 700,000 for a 800 SqMt plot with an old run down house (Appr. 350 SqMt) on it. My intention is to declare it as my POPR ( I have applied for thr FHBG). I hope to do some renovations on it (20K) prior to moving in.If I decide to move out at some stage, how long do I have to live in…[Read more]

Check out the term of the loan. You may also need to check if you are ahead of the loan repayments as this can be recorded also by the bank.I am $20,000 ahead of my loan repayments with my home loan.An extra payment of 5k of the principal amount will not change your repayment amount automatically but it will reduce the term of your loan in the…[Read more]

landlords insurance covers Negligent damage to property ( the tenant bond doesn't cover all the damage)loss of rent if property damaged and can't be rented.public liability insurance usually up to 10 million dollars.(in some states like Victoria (the nanny state) if you hire a trades person and they get injured on your property they can sue you…[Read more]

kimc wrote:
Hi Everyone,I'm at a  fork in the road. I read all your fantastic info but have never posted until now so here goes….Our situation isDouble income (no kids) $110,000 gross (joint) secure jobs 

Are you planning on having kids ?This could affect your Double income or family payments if you own negative geared property.

kimc wrote:…[Read more]

You have to be careful not to start renovations until settlement because if it falls through you could ge giving the vendor a free renovation.My thoughts Are you an active investor or a passive investor.I have been a passive investor for 15 years but now I have one property with 260k of equity and 20k of debt. Once I earn income as I am a house…[Read more]

dreamerQLD wrote:
Hi Richard,Thanks for the advice. We were going to set up our IP loan as variable interest only – but your comment does make sense about down the track when we upgrade our PPOR. How would you avoid this though? should we pay off both properties at the same time so that neither are paid off when we move to a bigger PPOR? Our…[Read more]

shell21 wrote:
Hi Would like some advice as we are about to buy our first investment property.We have completed renovation on our own home and made a nice amount of equity as my husband is a great handyman! I was wondering if you think we should buy renovate and rent  

If you rent out a property-  be prepared for the tenant not looking after t…[Read more]

You still have to borrow money to buy a DHA house and they are in the 600,000 to 780,000 price range.These are longer term investments. Have you looked at the benefits on there web site http://www.invest.dha.gov.au/dha/home/info/leasebenefits.sok?ID=The cheapest house was $440,000They do have an option where you can lease a house to them also…[Read more]

http://www.owner-builder.net.au/ownerbuilderspermit.htmNot 100 % sure on this but this web site links below looks a bit like a good starting point ! They open 4th jan 2010 as on holiday at the momentor call them on the telephone on 03-9285…[Read more]

YoungInvestor wrote:
Hi again, I have a question about the deductibilty of interest when converting a PPOR to an IP. Please allow me to put forward a scenario:Purchase PPOR $500,000P & I Loan $400,000Now let's say I repay $50,000 of principal and the loan balance is now $350,000.If I was to then move out of the house, and keep it as a rented IP,…[Read more]

Unreal wrote:
I am new here, so please excuse me if this comes under the category of "dumb questions"I know very little about CGT and would love your thoughts on this one.Me and my husband bought our first home in 2001 and lived in it for over 12mnths.  Since Jan 2004 it has been rented out.  We bought a block of land

When ?

Unreal wrote:
, l…[Read more]