https://www.propertyinvesting.com/members/fishngym/activity/ Activity feed for fishngym. Tue, 14 Apr 2026 21:49:37 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 6327a98e7f10a526a1533ac753c2425e https://www.propertyinvesting.com/topic/4397627-when-real-estate-photos-get-to-personal-fail/#post-4610739 Mon, 02 Nov 2009 01:48:17 +0000 I'd rather run with knives in the kitchen than fall onto that.

]]> 7c20b2f6f028902d0e879f4b42710b38 https://www.propertyinvesting.com/topic/4397429-credit-checks-5/#post-4609927 Sun, 04 Oct 2009 12:35:49 +0000 If you pay, you receive the file within 24 or 48 hrs (can't remember which one.) If you choose the free option, it only takes a couple of days. This was the case in August. Just have a good look through the website and you should have some success. Best of luck.

]]> b3689e41b14b31e04343ebdab745b6f8 https://www.propertyinvesting.com/topic/4397429-credit-checks-5/#post-4609924 Sun, 04 Oct 2009 05:28:03 +0000 As Richard posted.I recently applied for mine. It only took a couple of days when choosing the free option.

]]> f26003dcb9815c59bb999fff9134f9de https://www.propertyinvesting.com/topic/4393273-park-trent-properties-group/page/3/#post-4587761 Thu, 01 Oct 2009 10:28:40 +0000 If you want to buy hassle free, overpriced property then they offer the product that you're after.I recently had an appointment to find out about their NRAS products as I couldn't get any info without an appointment.I appreciated the efforts that their staff made to enable the appointment but they squirmed when I had a few questions for them. You…[Read more]

]]> 0f1fc80de9008d999250379bfde86c77 https://www.propertyinvesting.com/topic/4396857-lmi-refund-8/#post-4607054 Sat, 01 Aug 2009 14:40:51 +0000 G'day Tugger.You are correct. Richard is the man.Richard is correct. My dealings with CBA indicated that the loan would have to be refinanced to receive a partial refund. They wouldn't recognise the money in a 100% offset account or a lump sum repayment on the loan. I didn't ask any questions about re evaluations but I think you may be out of…[Read more]

]]> 1cbbf75b29be41eacade910116c0fc9c https://www.propertyinvesting.com/topic/4396812-real-estate-agent-agent-representative-income/#post-4606864 Mon, 27 Jul 2009 00:16:29 +0000 I'd buy from you Karenday. But I don't know how may bargains would slip through your fingers.

]]> f62b8d6c523242d0e4e6f549fc5f0ae6 https://www.propertyinvesting.com/topic/4396617-stamp-duty-on-transfer-of-house-from-couple-to-wife-in-queensland/#post-4605938 Thu, 09 Jul 2009 01:18:51 +0000 G'day Terry,From memory (while ago now) the Acts Interpretation Act and Duties Act could not assist me any further with definitions. I don't believe there were any Revenue Rulings of assistance either.PTW,You had better treat her good or she might not be keen to give you another go. It takes a special kind of woman to want to get dviorced for…[Read more]

]]> 069e9e91456ebfb3fa256363bcd70083 https://www.propertyinvesting.com/topic/4396617-stamp-duty-on-transfer-of-house-from-couple-to-wife-in-queensland/#post-4605933 Wed, 08 Jul 2009 11:38:09 +0000 (a) after the transfer, the residential land will be owned by the parties as joint tenants or tenants in common in equal shares; and (b) the residence will be the principal residence of the parties. I have previously contacted the QLD OSR in relation to the definition of WILL be the principal place of residence. They passed me around without…[Read more]

]]> e3235e72b05873b8e3229ed602e029d6 https://www.propertyinvesting.com/topic/4396345-removing-cross-collaterisation-with-cba/page/2/#post-4604597 Fri, 12 Jun 2009 05:02:08 +0000 G'day all,I had an impromptu discussion with the local CBA branch manager whilst at the food court today.Neither of us had all our questions and answers with us but it went a something like this.At 80% LVR for the individual property "it was a sure thing" that the loan security could be removed and the property could stand alone. I was told that…[Read more]

]]> a82e48ae72abfe5e4729e20b6260d0d5 https://www.propertyinvesting.com/topic/4396345-removing-cross-collaterisation-with-cba/#post-4604594 Tue, 09 Jun 2009 07:57:53 +0000 I gave the Comm Bank over the phone lenders a call today. Unfortunately she didn't have a clue about any policy, procedures, or reasons why I would make such a request.As per her advice, I'll go in and have a talk to the lenders at the local branch.Will keep you posted if I get some rough guidelines.

]]> 7da8ddcd72de1eba754927bb7313d0bc https://www.propertyinvesting.com/topic/4396415-unique-fhog-query-qld/#post-4604912 Tue, 09 Jun 2009 07:38:06 +0000 G'day Russco,Unless the FHOG Act has changed recently, it is a lawful application. Just delay getting engaged for a while.Just remember that the OSR also has it's own guidelines and legislaiton in relation to the applicable transaction duties.Banks would no laugh. If they laugh, walk out the door laughing and give your money to another lender.Best…[Read more]

]]> 062a868827c186401ef6ba767c56032c https://www.propertyinvesting.com/topic/4396345-removing-cross-collaterisation-with-cba/#post-4604588 Fri, 05 Jun 2009 08:05:39 +0000 G'day Enaaja,The primary purpose would be to try and hurdle the wall that Comm Bank may put up when I wish to purchase again. While Comm bank is willing to lend me money, I have no dilemmas with the structure. As soon as they won't fund a purchase, my options may become quite restrictive. I'd like to keep my refinancing costs to a minimum. I can…[Read more]

]]> 0a5cd4c0bae22bad76c3486ad698f341 https://www.propertyinvesting.com/topic/4396345-removing-cross-collaterisation-with-cba/#post-4604586 Thu, 04 Jun 2009 05:37:40 +0000 Thanks enaaja,The 80% LVR seems reasonable to me. I am now hoping to call them early next week to obtain a summary from them. Ideally the funds that we have in a 100% offset would be taken into consideration when assessing our risk. Ideally, and reality, are two different things though.

]]> 5aaec7c4d3a5cc6696ec886f2e35fd36 https://www.propertyinvesting.com/topic/4396345-removing-cross-collaterisation-with-cba/#post-4604583 Mon, 01 Jun 2009 13:45:03 +0000 Thanks for your input Holdandrefinance,I'll try and give them a call later this week to try and get a rough guideline of their policy. It will be a while though before we are at 80% LVR on the IPs. We would have to manipulate the PPOR offset money to bring the LVR down which is not a best case scenario for us. I think we'll just have to wait for…[Read more]

]]> 047f3ac3ee21ad0545c3f67481c09b4b https://www.propertyinvesting.com/topic/4396345-removing-cross-collaterisation-with-cba/#post-4604580 Sat, 30 May 2009 08:47:06 +0000 Thanks for your replies.I just remembered the CBA lender making reference to "when the LVR becomes 90% on these two we'll be able to have these ones stand alone." Something along those lines. I might be off the mark though.In hindsight, I should have prodded a bit better and tried to negotiate some answers at the time. I just didn't know that…[Read more]

]]> 16a830363111875cfd5329f318ec5648 https://www.propertyinvesting.com/topic/4396188-polishing-floorboards-3/#post-4603732 Thu, 14 May 2009 02:20:05 +0000 G'day KarendaySpoke to local floor installers/polishers. If they pull up carpet (don't know about other surfaces)  $8 per sqmTimber prep and polishing $30 to $36 + GST per sqm depending on quality of polish.Best of luck with the renos

]]> 247f445ba57e343fbeaa651fdecdf21a https://www.propertyinvesting.com/topic/4396191-api-magazine/#post-4603768 Mon, 11 May 2009 06:29:17 +0000 Yes, definitely subscribe and claim it on tax. I think it just cost me $89 for a yearly subscription. I seem to get mine a little before the newsagents get theirs.

]]> 43fc6a716a3b9aa6000e88eefdc719aa https://www.propertyinvesting.com/topic/4396175-new-development-will-wipe-out-my-views/#post-4603671 Thu, 07 May 2009 11:54:16 +0000 Great reference to case law Linar. I'll try and have a read if I get a chance.Best of luck griffs. Keep us posted.

]]> 0cea4a827bd17d2a2fe514af51568f50 https://www.propertyinvesting.com/topic/4393165-free-property-sold-information-website/#post-4586657 Tue, 05 May 2009 04:59:23 +0000 Thanks Joseph12Fantastic link. It works a treat.

]]> e532a610053fcbd970e95df3b485edfe https://www.propertyinvesting.com/topic/4396097-what-clauses-do-you-put-on-your-contracts/#post-4603288 Wed, 29 Apr 2009 01:46:47 +0000 Just a bump on this post.The title of the post has been changed because it was not interesting enough to read.Does anyone have any clauses that they have used effectively?Has anyone had any good/bad experiences with specific clauses?I have not had any dramas but I am keen to hear from those that have.CheersMarc

]]> cb431e013e3d3449fdce7e7f67ddbd39 https://www.propertyinvesting.com/topic/4395933-rba-rate-cut/page/2/#post-4602112 Tue, 21 Apr 2009 07:46:04 +0000 Thanks mate,We were hoping to fix some loans at what we thought was the bottom of the cycle. Clearly the CBA is making this harder than first thought.

]]> 0e21fefe526374893f62a23ea1becfa3 https://www.propertyinvesting.com/topic/4395933-rba-rate-cut/page/2/#post-4602110 Mon, 20 Apr 2009 09:01:12 +0000 G'day God_of_money,Just wondering what CBA fixed interest changes have occurred?There is no indication on the CBA website that home loan fixed rates have increased. Are you making reference to term deposits interest rates?

]]> e0e1725d991f851ba4727be29d31e5a5 https://www.propertyinvesting.com/topic/4395997-declined-finance-because-of-remoteness/#post-4602420 Mon, 20 Apr 2009 02:33:16 +0000 I feel you Karenday,I used to be with CUA. They were great when I only had one loan, but as soon as I came knocking on their door to purchase further properties they were extremely cautious. They made it very difficult to use their services again so we reluctantly went with Comm bank who were very keen to aid our investment ambitions.It's a shame…[Read more]

]]> 90b1020910ac4ef6f215ef9a3b9f1eed https://www.propertyinvesting.com/topic/4396014-sunshine-coast-accountant/#post-4602832 Thu, 16 Apr 2009 12:00:20 +0000 G'day KalsBAN TACS is definitely the go. They have offices at Maroochydore and Bribie Island.While you're there. I highly recommend you buy Julia HARTMAN's book.

]]> 30c0d5de09444f047251e6d4c98e3743 https://www.propertyinvesting.com/topic/4370563-book-review-list/page/2/#post-4449080 Sat, 21 Mar 2009 00:37:09 +0000 This book is worth its weight in gold."Saving tax on your investment property" by Julia HARTMAN and Noel WHITTAKER.10/10I took notes whilst reading this book. I found that I was only skim reading through Margaret LOMAS' "20 Must Ask Questions for every property investor." LOMAS' book outlines a few helpul sources for finding the info you need for…[Read more]

]]> df3471b885b38475f04b8defc0014587 https://www.propertyinvesting.com/topic/4395719-hervey-bay-4/#post-4601057 Thu, 19 Mar 2009 04:05:27 +0000 G'day HKI don't believe that work has started yet at the Marina. The current Marina is operational though. There has been talk over the years of a few different developments near the marina including a small casino. There is further talk about a Marina at River Heads. I am unsure if that will go ahead. I have heard that the developer has a lease…[Read more]

]]> 515bc9f905ebcb5c26e0ad60fbcac3b3 https://www.propertyinvesting.com/topic/4395719-hervey-bay-4/#post-4601054 Wed, 18 Mar 2009 07:48:14 +0000 G'day HK,To an extent, I agree with Hbbehrendorff. Hervey Bay offers great housing value for home buyers, but can be a little bit less rewarding for job seekers. Rental returns are fairly poor but there has been steady capital growth in the area.There are a lot of oldies living in Hervey Bay who are pretty good at counting their money. So there is…[Read more]

]]> fff6428395a5a67c686a85381b8b7341 https://www.propertyinvesting.com/topic/4395301-transfering-title-of-home-to-a-spouse/page/2/#post-4598723 Sat, 07 Mar 2009 08:52:07 +0000 Sorry CF+, I wish the OSR was that understanding of our financial needs.There may be other strategies out there for you but unfortunately the OSR will slug you duties if the property does not become 50/50 ownership upon completion of the transfer. Your relationship of 10 years will support the definition of defacto/spousal relationship but will…[Read more]

]]> cb981c952dac3e09fee6e937fa3adfff https://www.propertyinvesting.com/topic/4395579-anyone-locking-into-fixed-rates-yet/#post-4600279 Tue, 03 Mar 2009 06:01:38 +0000 We're paying 5.04% with Comm Bank Wealth Package at the moment.The five year fixed rate is currently 6.49% with the wealth package.We're keen to utilise the low variable rate at the moment, but we'd get real interested in locking in for about 5.7% for five years if it became available. We intend to lock 3 loans in when we think the time is…

]]> 45109110393d82bf62fa8fbcd1b36dc7 https://www.propertyinvesting.com/topic/4395486-is-this-a-good-strategy/#post-4599682 Sat, 21 Feb 2009 16:47:10 +0000 hbbehrendorff, I always enjoy reading your views on these matters.However, I think your thoughts on debt this time may only be possible in an imaginary land.Not many people can save the 350k cash required to purchase their first house. It sounds like your family has made purchases based on sound buying principles. I once bought an old Chevy and d…[Read more]

]]> 3294f2230d84273910cb3d563525b89d https://www.propertyinvesting.com/topic/4395301-transfering-title-of-home-to-a-spouse/page/2/#post-4598721 Thu, 12 Feb 2009 04:56:55 +0000 Yes Linar,I absolutely agree. In QLD, the spousal transfer duty exemption is only applicable when transferring the title into joint tenants or tenants in common 50/50. It will not be applicable when trying to remove a name completely.

]]> 90bc7615e4706d973dc2268eca93e16a https://www.propertyinvesting.com/topic/4395301-transfering-title-of-home-to-a-spouse/#post-4598703 Tue, 03 Feb 2009 10:56:43 +0000 If in QLD, have a read of s151 of the Duties Act. It should help you out.

]]> 6867ed0332c9cfd90a20bc9bd1d488f9 https://www.propertyinvesting.com/topic/4394895-interest-only-or-pai/#post-4596503 Tue, 09 Dec 2008 23:09:40 +0000 Interest Only with a 100% offset account.Unless your oozing with cash, you're probably a battler like us who has goals, and some effective money management. If you can't save, investing won't work for you.Just keep paying your extra savings into your owner occupied offset account. That extra principal from the other loans will go a long way to…[Read more]

]]> 829382ed6986c5204f82d6b66724f927 https://www.propertyinvesting.com/topic/4394845-as-i-attract-investors-for-property-in-brazil/#post-4596204 Wed, 03 Dec 2008 14:10:24 +0000 I just deposited some money into your Nigerian bank account. Do you need any more?

]]> 14f32361502adfaede07e3bb5b83e8c9 https://www.propertyinvesting.com/topic/4394801-multiple-names-on-mortgage-first-home-owners-grant-qs/#post-4595969 Thu, 27 Nov 2008 14:10:33 +0000 G'day Ozyboy84,I am too lazy to research the FHOG Act again but I believe that your defacto parter is eligible to apply for the FHOG. Although the Acts Interpretation Act defines you as defacto, the FHOG Act further defines a defacto relationship as having resided together for 2 years. I can't remember if becoming engaged will throw a spanner in…[Read more]

]]> 78f4dce5429d3725ade9e4f758b79b56 https://www.propertyinvesting.com/topic/4391824-bowen-basin-qld-mining-towns-opinion-on-offer/page/9/#post-4579800 Mon, 24 Nov 2008 23:29:44 +0000 G'day nhb74We had pretty minor damage. 2 x smashed windows and a damaged skylight. A friend living out there received 9 smashed windows plus the loss of a patio. The insurance assessor said that he was inspecting alot of houses in the street. I am glad to hear that you pulled up fine.

]]> 9ec30174a965997d69b33166a4d41447 https://www.propertyinvesting.com/topic/4394772-who-is-liable-for-the-insurance-claim/#post-4595847 Sun, 23 Nov 2008 01:33:17 +0000 Thanks Scott No Mates,Thanks for your views mate. You put forward a good discussion. Unfortunately I don't have enough knowledge on the topic to rebut  your comments.You've got me scratching my head now as to who is liable. Are you suggesting that as I am not the owner yet, technically I shouldn't be permitted to take out an insurance policy on a…[Read more]

]]> 724c89ccf8bd4f317fecd7500633276d https://www.propertyinvesting.com/topic/4394772-who-is-liable-for-the-insurance-claim/#post-4595844 Sat, 22 Nov 2008 06:37:09 +0000 Thanks LinarI'll have a read of the contract and see if I can come up with anything.As previously stated. The manager of my local insurance centre told me that I was wasting my money and time as I was not liable if there were probs. I am glad that I was too stubborn to listen to him and took out a policy to cover us anyway. Things could have been…[Read more]

]]> 2cc78bf967a0af0e1cb046e21c4b34ed https://www.propertyinvesting.com/topic/transfer-of-property-title-into-spouses-name/#post-4594907 Tue, 04 Nov 2008 13:36:36 +0000 Thanks Eddie.I'm doing some big days at the moment. Hopefully I'll get into it tomorrow and read the sections.Thanks for putting in the extra effort mate.

]]> b2b1e3bda3dcf528a73b61127a9e573c https://www.propertyinvesting.com/topic/transfer-of-property-title-into-spouses-name/#post-4594905 Mon, 03 Nov 2008 00:28:35 +0000 Thanks for the reply guys.Eddie, would it make any difference that the misses' loan (I'm currently guarantor) is now being changed to both our names on the mortgage via refinancing? Followed by the addition of my name on the title?It sounds like perhaps I've complicated things beyond my level of knowledge.Are there any sections of the ITA Act that…[Read more]

]]> 85dcbf761c14c022106ddbabc144acd8 https://www.propertyinvesting.com/topic/transfer-of-property-title-into-spouses-name/#post-4594902 Mon, 27 Oct 2008 00:04:20 +0000 Thanks for the reply mate.We already had a PPOR and met the requirements of the owner occupied FHOG. This FHOG house is now being rented.This property is heavily negatively geared and the misses' income does not allow us to maximise the tax benefits. The house is a long term hold and we want to take adavantage of yearly tax benefits.My limited…[Read more]

]]> 5e15053d21baf13a6b1e1745b95f140d https://www.propertyinvesting.com/topic/4391824-bowen-basin-qld-mining-towns-opinion-on-offer/page/7/#post-4579759 Tue, 14 Oct 2008 09:11:06 +0000 G'day guys,Me and the misses bought a property out at Blackwater a couple of weeks ago after reading the info in this post. Moranbah and Dysart were out of our price range and Blackwater offered the best return for the amount of funds we had to play with. Thanks for the info guys. We've taken a gamble, but as the saying goes. 'You miss 100% of t…[Read more]

]]> 2649afaf4839ab6a2023667eba491e51 https://www.propertyinvesting.com/topic/4394377-how-long-does-it-normally-take-to-get-a-reply-from-an-offer/#post-4593648 Tue, 14 Oct 2008 08:58:38 +0000 The longest it has taken me to get a response was 5-6 weeks on the initial bid. It was unbelievable. We hoped to have had it finalised on the first day.  Well worth the wait though. Sometimes you have to be patient. Best of luck with the purchase.

]]> eace27b03c3d6746d4f0a44ed352fa63 https://www.propertyinvesting.com/topic/4394211-on-selling-from-off-the-plan-in-maryborough-qld/#post-4592779 Sun, 14 Sep 2008 11:25:52 +0000 G'day mate,Can you please let me know what/where/how much for the properties. My contact email is marcsgym@hotmail.comCheersMarc

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