Not sure if u r still active over here …. but which Aussie lenders lend for Japan properties?
What are the Aust asset securities for? The equity/deposit part or the entire purchase costs of
the property in Japan? What is the max LVR?

Any possibility yet for using Aust equities/cash as deposit and borrow in Japan to buy…[Read more]

I have maxed out my borrowings capacity right now and wondering if non bank lenders my next best
alternatives for accessing equity plus new investment loans?

Thanks,
FXD

In the general sense and ignoring the current credit tightening, is equity release and refinancing
of residential IP (not PPOR) easier than commercial IP?

Having spoken to a few friends (who own both types) the comment and feedback I’ve got so far suggest
the process with resi IP is easier and amount accessible is also more…[Read more]

When borrowing money to invest in a private unit trust set up and assuming
that only 80% of the investors funds will be used towards settling
on a property deal with remaining funds be kept for ongoing cashflow
buffer purpose.

Is the investor’s borrowed fund full interest charges be deductible or only
pro rata?

Example:
Unit…[Read more]

When borrowing money to invest in a private unit trust set up and assuming
that only 80% of the investors funds will be used towards settling
on a property deal with remaining funds be kept for ongoing cashflow buffer
purpose.

Is the investor’s borrowed fund full interest charges be deductible or only
pro rata?

Example:
Unit trusts…[Read more]

Have you got any further with after attending the seminar, ie reaching out to their
finance broker, accountant etc ?

If so, mind sharing your opinion on them?

Thanks,
FXD

There are many boutique low rise apartments projects in the inner east (Boroondara and Stonnington) being
marketed or starting construction.

Are they still considered good investments given the locations?

What should I be watching out for when considering buying one as investment?

Thanks,
FXD

From vendor’s point of view, can a sale be made conditional upon buyer’s agreeing to sign
section 27 for deposit release?

If so, can it be further condition to have deposit release within certain days/weeks?

I am selling a property and I raise the question to my solicitor and the response I get back
is “buyer is not obliged to sign…[Read more]

Following is the situation with family member who bought a retail space a little over a year
ago as part of a mixed use new development where commercial retail space are on ground floor
and resi apartments upstairs.

Due to recent owner corporate’s change, the new incoming OC conducted new around of
essential service compliance check…[Read more]

In reference to https://www.propertyobserver.com.au/forward-planning/investment-strategy/property-news-and-insights/83570-reiv-esa-estate-agent-commission-bungle.html

and probably as widely reported elsewhere, does anyone know if it concerns auction authority in any
form or shape?

Thanks,
FXD

Looking for some advice based on practical experience and/or knowledge of what bank/valuer look for
to determine the new valuation of a renovation?

Any good recommendations of good books on:
– how to best maximise the returns on reno, both re-valuation and rent
– how to pre-determine returnon reno (valuation and rent) before…[Read more]

Looking for some advice based on practical experience and/or knowledge of what bank/valuer look for
to determine the new valuation of a renovation?

Any good recommendations of good books on:
– how to best maximise the returns on reno
– how to pre-determine return on reno before commencing
– what reno works may not increase property…[Read more]

Cheers,
FXD

I think keeping the loan open but not drawn may be an option and it may be used
as a cash flow buffer for other IP related incidental costs. At least that’s the
theories and ideas many other property experts seem to suggest.

Rgds,
FXD

Following is the scenario that I need advice/help/ideas/recommendation on:

1. First IP (IP-1) with 3 separate IO investment loan facilities:
– $400K for IP-1 itself
– $150K used as equity deposit for another IP (IP-2)
– $150K used as equity deposit for another IP (IP-3) with separate IO loan $500K

2. PPOR home loan with…[Read more]

Following is the scenario that I need advice/help/ideas/recommendation on:

1. First IP (IP-1) with 3 separate IO investment loan facilities:
– $400K for IP-1 itself
– $150K used as equity deposit for another IP (IP-2)
– $150K used as equity deposit for another IP (IP-3) with separate IO loan $500K

2. PPOR home loan with…[Read more]

Thanks for releasing the digital version before April which is a bonus before the long weekend.:-)

Is there a video recording version planned to be released at a later time besides the MP3 audio?
The reason being that I find it hard to follow the MP3 audio when you were talking to the price graphs
etc as per the PDF notes for the…[Read more]

Thanks for releasing the digital version before April which is a bonus before the long weekend.:-)

Is there a video recording version planned to be released at a later time besides the MP3 audio?
The reason being that I find it hard to follow the MP3 audio when you were talking to the price graphs
etc as per the PDF notes for the…[Read more]

Thanks for releasing the digital version before April which is a bonus before the long weekend.:-)

Is there a video recording version planned to be released at a later time besides the MP3 audio?
The reason being that I find it hard to follow the MP3 audio when you were talking to the price graphs
etc as per the PDF notes for the…[Read more]

Thanks for releasing the digital version before April which is a bonus before the long weekend.:-)

Is there a video recording version planned to be released at a later time besides the MP3 audio?
The reason being that I find it hard to follow the MP3 audio when you were talking to the price graphs
etc as per the PDF notes for the…[Read more]

Where and how can I find out builder of a property before buying it?
Is there such a database or site that specialising in providing such info?
The info is most relevant for properties within the builder’s warranty period
obviously and I want to make sure I have enough info to sus out the builder
before parting with money.

Thanks in…[Read more]

Although I don’t have a solution to offer, I have personally experienced such situation but being
the opposite to your case ie two neighbours fences encroaching into my property.

Due to the circumstance being that I was doing a multi-unit development at that time and the local
council planning rules…[Read more]

Although I don’t have a solution to offer, I have personally experienced such situation but being
the opposite to your case ie two neighbours fences encroaching into my property.

Due to the circumstance being that I was doing a multi-unit development at that time and the local
council planning rules…[Read more]

Although I don’t have a solution to offer, I have personally experienced such situation but being
the opposite to your case ie two neighbours fences encroaching into my property.

Due to the circumstance being that I was doing a multi-unit development and that time and the local
council planning…[Read more]

I am contemplating selling my home in Melbourne eastern burb to downsize.

Having been through couple of sales with typical open inspection, pushy agents after marketing costs
incurred, it’s left a bitter and sour experience with me to say the least.

Having checked out a few buyer advocates website and spoken with 3 agencies, the…[Read more]

Thanks,
FXD

I am in the stage of sourcing finance to fund a duplex project on a block I own and currently with an
old tenanted dwelling IP. The original property still has the original loan.

I am maxed out on servicing to access retail construction loan in my personal name/capacity. What other
options may be available out there?

The project is…[Read more]

For some very successful boomers who started their investing journey 30 plus years ago, they will
adamantly advise going for growth first before cash flow and that makes perfect sense in that context.

I personally feel that there should be 4 different quadrants of environments or contexts every investor
should learn to…[Read more]

I like to get some real experience of investors or owners who own high end apartments in small scale
boutique apartments in Melbourne and specifically in the inner east suburbs.My definition of boutique
is maximum 8 in a block and no higher than 3 storeys.

Specifically, like some insights on the following:

– How do they stack up in…[Read more]

Rgds,
FXD

Sister is selling her home and asking for a price between $1.15m – $1.2m
Selling agent claimed to be confident and therefore got the listing few weeks back.
Same price range written in authority letter and signed. Statement of info (SOI)
stipulates same range between $1.1m – $1.2m. Don’t know why but she never thought might be an…[Read more]

Thanks,
FXD

We built and moved into current PPOR for less than 3 years but due to situation change will need to
fast track the “down sizing” process and planning to sell up the place and move on.

My accountant mentions that GST paid for the construction may be refundable. Is this true?

How about other misc costs that may form part of the…[Read more]

Can a trust or a corporate trustee ever be a guarantor for another trust?
Meaning, if person A is a director of corporate trustee X (for family trust XX)
and is also a guarantor for X itself. When X becomes profitable further down the road,
can it then be the sole guarantor for a new trust YY for financing new property
purchase or…[Read more]

Can a trust or a corporate trustee ever be a guarantor for another trust?
Meaning, if person A is a director of corporate trustee X and is also a
guarantor for X itself. When X becomes profitable further down the road,
can it then be the sole guarantor for a new trust Y for financing new property
purchase or development?

Thanks,
FXD

Can a trust or a corporate trustee ever be a guarantor for another trust?
Meaning, if person A is directory of corporate trustee X and is also a
guarantor for X itself. When X becomes profitable further down the road,
can it then be the sole guarantor for a new trust Y for financing new property
purchase or development?

Thanks,
FXD

Can a trust or trustee ever be a guarantor for another trust?
Meaning, if person A is directory of trustee X and is also a guarantor for X.
When X becomes profitable further down the road, can it then be a guarantor
for a new trust Y for financing new property purchase or development?

Thanks,
FXD

Does it have to be “major capital improvement” to reset the new cost base after the subdivision?
I still don’t have a clear understanding what major capital improvement means even after speaking to my
accountant and he just refers me to that ATO link.

Thanks,
FXD

Have been reading this link https://www.ato.gov.au/Forms/Guide-to-capital-gains-tax-2013-14/?page=92#Major_capital_improvements_to_a_dwelling_acquired_before_20__160_September_1985
few times over and it’s doing my head in trying to understand it but to no avail.

To put things in simple terms and perspective, got a resi IP bought…[Read more]

Have been reading this link https://www.ato.gov.au/Forms/Guide-to-capital-gains-tax-2013-14/?page=92#Major_capital_improvements_to_a_dwelling_acquired_before_20__160_September_1985
few times over and it’s doing my head in trying to understand it but to no avail.

To put things in simple terms and perspective, got a resi IP bought…[Read more]

Is it much more difficult to grow equity in or release equity from commercial or both?

I am very new to commercial, ie started tracking the market actively for 2+ years only but did
notice many deals have been transacted at very low yield and/or strong growth compared to the last
transacted price for the same properties.

Thanks,
FXD

Thanks,
FXD

Thanks,
FXD

Not sure if what he said was due to recent tightening or what, but I was told even for commercial
lenders they also stress testing an investor’s all other existing borrowings, including resi and
commercial to arrive at new…[Read more]

Just out of curiosity about the deal you mentioned above.

Did the borrowing, purchase and cashflow achieve an improved servicing overall for your client so that
he/she can continue investing more easily in the future?

Thanks,
FXD

Cheers,
FXD

Personally I have not been successful due to existing servicing and no lender is willing to factor in
the future/projected commercial cashflow to service equity draw and some are outright against using
resi equity for…[Read more]