Hi Terry,You can always Not CC the properties even you  borrow the money from the same bank if you structured it correctly.You mentioned " 1 of your properties has dropped in value, and you want to sell the 2nd one = you cannot unless you pay down the loan on the remaining"So.. the bank can even sell all your properties if you hold them on the…[Read more]

why you go with GE initially?

Hi Daniel,Could you please let me know what is the different between getting the managed funds through Yourshare or through the 'broker'? and if you can get the rebate from your super funds… why not?Advise for managed funds… well.. look at Storm financial services… 8% comision on top of rebates.. ripped off…Please enlighten me… 4%…[Read more]

Has been dealing with YourShare for the last 2 years without any problems.Got rebate from managed funds/superannuations/insurance …. 50% of trailing commission.How about if you repay your loan to $0.01in 2 years… No one will probably get the commision…Cheers

Hi Richard… what do you mean by not a full offset account?

Westfield and GPT yield more than 10%7% is ridiculously low… plenty of offers around sydney ~9-10% depending on grade of commercial property

5.1% variable with offset account…… How much is the fee ?

go at look at yourselfmany free websitesinfochoice.com.aumozo.com.auratecity.com.auetc

Thank for you inputmy dilema is if  i m renting out my current PPOR, it will be taxed at the highest margin and I have fully paid my current PPOR. By diverting it to DFT, I am able to channel the rental income to my wife.. but the set back is the cost….I m not sure which one has the best option in the long term….With the downturn in property…[Read more]

Stop using the 'CAPS'. It is RUDE…. might be typical 'financial adviser' from Premium finance..The moderator… should know when to 'edit' it into small caps.. and put warning sign…!!!

Triumph95Why u r so upset about it??Should it be exposed to Current Affair or big publication in sydney morning herald or the Age??Such a ridiculous comment

How about if you transfer PPOR to DFT, and then purchase another PPOR… would it exempt from capital gain for the 2nd PPOR?

I would rather wait for the next 6-8 months to see the picture…. very temptating to buy…. but who knows about the future…rental yield in sydney is more than 6%..hardly seen postive cash flow in syd market for many yearssssss

Hi Terry,

What happen if my partner buy another PPOR whereas I have my own PPOR.. Can she exempt from capital gain (i.e. buying under her name)?

Thanks

Hi Terry,What happen if my partner  buy another PPOR whereas I have my own PPOR.. Can she exempt from capital gain (i.e. buying under her name)?Thanks

Sorry, I m so stupid.. it mus be NSW legislation as your post…Thanks terry

Does it apply to NSW state as well?

I agree with digger…Capital growth can be minus or big ZERO… if you include inflation in your calculationI will never invest in the hotel-type of invesment…. too much risk

Hi Terry,I thought that transferring PPOR to the spouse will still incur stamp duty???Correct me if I m wrong

Have no problem with them over the last 4 yearsalso has feature of BPAY etc… and paying 6.19%pmgonline.com.au.. using the same INGBank… with interest 5.94% BUT beware of Exit fees