I like to see the interest rates maintain at 7.25% till early next year..It will not move that soon… be real.. with inflation rate hitting 4.5%…Not at least it started to come down.The unemployment rate is rising…Love to see that in the current  property market…on above equation.

How about 106%? Any lender that still lending that high LVR?

It seems that very cheap.. only A$2000 for Dipl Financial Services. Is that useful?Some of the insitute charge about A$5000+. How about doing it in TAFE? any one has experienced?Cheers

I didn't realise that it only cost A$600 to get cert4 in financial services. Can anyone tell me where to apply for it? and is there any exam/logbook etc… to complete?

Hi RichardCan you use EFM for Family trust? Just curiousAs far as I know, EFM is for only PPOR???CheersDonald

The property price bought @  "Northern Greens" in Pascoe Vale, then "Maya", nearby "Ecoville"  will DOUBLE every 7 years….Didn't you know that? Blue chip investment (sarcasm)

What do u mean by substantial? A$2 million mortgage with 200k only 10% equity?You need to remember that property market is sliding… therefore your equity might be lessNeed some clarification

GPT share is now less than A$ 1.50.It was > A$5 dollar not long time ago.And GPT invested in blue chips properties tenanted by blue chip company.I am just wondering what happen to commercial properties invested by small investors?I am sure that residential property will NOT immune as well…If GPT share can be halved… why Not our residential/…[Read more]

GPT share is now LESS THAN  A$ 1.50….. Time is coming and haunting all the property investors…If GPT property with blue chips company as tenants being hammered….Surely, the house and commercial prices will crash soon…

Hei Linar,I am saying about complex TRUST account.. not Discretionary Family Trust (i.e simple structure). If you look at C&N.. they advise complex trust structure?I heard that ATO is looking into Hybrid, etc ????Cheers

Hi All,Just for my curiosity… re: PITWhat happened if someone get audited by ATO +/- legal court battle?Do you think that Chan and Naylor will back you up and pay the indemnity in case if it goes wrong?Cheers

Hi All,Just for my curiosity… re: PITWhat happened if someone get audited by ATO +/- legal court battle?Do you think that Chan and Naylor will back you up and pay the indemnity in case if it goes wrong?Cheers

Hei devo,Sometimes, the forum's comments here are much better than spruiker out there…

clubhonda, Well, I subscribed to SMH for years and I did notice that 2008 winter is super thin.. may be just co-incidence????

Certainly, the "Domain" pull-out @ Sydney Morning Herald newspaper is getting thinner and thinner….

HEI WAG… THE TRUTH THAT WILL SPEAK..I WILL CALL IT AS …  "DEBT ACCELERATION GROUP"

CBA, ANZ, ING and St. George bank increase the interest rates irrespect of RBA.And they also mentioned that could be (potentially) another 0.5% on the radar….(i.e. 10% by next year)Earlier this year.. most of the property spruiker(s) keep promoting to the investor that interest rates will fall by the end of this year..In fact, It will go the…[Read more]

hmm…8 and 9 IP… Sure you have more experience that most of us

I would be thinking about selling..Bleeding A$ 6000/year with mortgage rate climbing to almost 10%… you could bleed more.The property market in Lidcombe is not looking good either…You also need to factor in that your combined income is A$ 63k (i.e. rising petrol, rent, food etc)… so basically it probably has reached  saturated point… and…[Read more]

Exit fee of 2% from RHG… it is crazily expensive. Their standard variable rate is 9.99% (much higher than big banks).Luckily, I m sticking with big banks despite my previous MB recommended non-bank lender.I still don't understand why people would like to go to non-bank lender? I can't really see any 'real' advantage overbank lender. Correct me…[Read more]