http://www.3m.com/intl/au/windowfilms/products_scotchshield_safety.htmlSend them an email asking for the nearest installer of the product as 3m do not install the safety film.this film also protects against explosions.

Probably you could inquire with your mortgage broker if you can have a list of the lending rules from the lenders they use most.The main points are LVR, Income,security of employment and Credit Rating.

Berwick is at the last allowable redevelopment under the 2030 government policy in the south east.  I have seen  fantastic  development in Cranbourne  over the last ten years which happens to be about the same distance from the GPO.The by pass is a direct result of the development growth of Berwick / Pakenham over the last ten years.I think Ber…[Read more]

I suggest you have a read of thishttp://www.tenants.org.au/languages/english/repairs.pdfto know where you standI had a faulty stove in an investment property and had it repaired but when it became faulty again I replaced the whole stove with a new one. Why ? Because I can claim depreciation.

If you do decide to invest in shares you have to be prepared to keep a close eye on how the share price is performing as share prices are more volatile compared with property. If you earn dividends that are fully franked you will get money back known as dividend imputation credits if your tax rate is less than 30%. The advantage of shares is…[Read more]

Briganti,The solution could be to have an Offset account linked to your personal home loan. Money is on call. Balance will reduce home loan interest and you can transfer the money back out to business account when you need to. Just something to consider . Make sure offset balance is subtracted from personal home loan balance for loan…[Read more]

You may need to take into account the Goods and services tax  when you sell developed houses and capital gains tax that you may be liable to pay.

you need to join COSL as well. Also you need to have previous experience in writing mortgages to be a broker via MFAA membership. This is where the catch is. You need to have an intermediate, sponsor you so that you can offer more than one banks products and get around the 2 year experience requirement. Also you need to be able to cope with no…[Read more]

depends on the type of offset account. Some offset accounts only take the interest earned in the offset account and decrease your loan by the lower offset account interest rate. Some offset accounts decrease your loan balance by the offset amount thus the interest rate is effectively the loan interest rate being earned on the offset amount.

rent is determined by supply and demand for rental properties. If investors were to suddenly buy a lot of investment properties and flood the market with available rental properties then the rental vacancy figure would increase which in turn would cause rent to decrease. This site may have the statistic for rental…[Read more]

I have spoken to two people who have made a lot of money with property investing and one of them had words of wisdom in that the secret is in the timing of the property cycle. As I have seen property growths of 25% p/a over between 2001 to 2004 when the market was hot and have experienced 1995 to 2001 of no growth myself which averaged out to…[Read more]

Your capital growth is compounding while your loan interest payment is staying the same or decreasing.450,000 with a compounding 5% p/a growth = $262772 after 5 years with a property value of $656509 while the interest payment is a total of $192825Do not also forget that the property is earning rent that helps to meet some of the interest…[Read more]

If you have a low disposable income you will be on a low tax rate which means that you get very little benefit doing negative gearing. Why I am mentioning this is that you have to decide what type of investor you are going to be like developer, positive geared investor, negative geared investor, ect.. By reading books as well as magazines like…[Read more]

The best one I heard of was an annual Christmas Hamper for the Tenants not that I have done this myself yet.It depends on how much you plan to increase the rent by. I increase the rent every year but if a tenant is in the property I might raise the rent from $160 to $165 a week. I did this recently and lost the Tenant but the good news is that…[Read more]

You may want to look at using a buyers advocate if you do not have the time to look at properties and do the ground work.Their aim is to try to get the best price and match the type of house you are after.It is important to measure the property dimensions and check that a motor cycle gang is not living next door or as I saw on ACA the high voltage…[Read more]

Some lenders have a scheme where you can transfer the loan to another property when you sell your development and are buying another same priced property as the loan security at the same time. So you are not closing the loan just changing the security the money is secured against.This is know as substitution of security see…[Read more]

Have a look at Landlords insurance with insurance companies. Usually covers loss of rent due to damage, loss of entire house from fire. Check if cyclone, hurricane, flood and malicious tenant damage are included. As an example some insurance companies do not cover floods.You need to find out what it costs to demolish the burnt out house and then…[Read more]

You own half a property with a brother in-law maybe you could do the same with the other property with your brother in law to half the interest you have to pay. Consider fixing the interest rate if you are going to hold onto the properties.

I purchased a house in 1995 at a honeymoon interest rate of 6.5% which went to a 10.5% interest rate 12 months later.I am nearly 40 so I remember "the recession we had to have" {ref Paul Keating} If housing prices keep rising so to will rent. If rent, food, petrol and mortgage interest rates increase then people will want a wage increase. If wages…[Read more]

Under contact Law a minor (anyone under 18 years of age) cannot enter into a valid contract so I would assume the buying contract could not be signed by a minor.