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	<title>PropertyInvesting.com | hleung | Activity</title>
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				<title>hleung started the topic Underpinning - help!!! in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4994971-underpinning-help/</link>
				<pubDate>Fri, 26 Sep 2014 01:26:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve just found out that one of my investment properties may need underpinning. I had my PPOR done nearly 6 years and it is fine except for one section where the brick is cracking again &#8211; not as bad as last time (and no problems with the internals) but still not happy. The engineer and underpinner both said then that they could not guarantee that&hellip;<span class="activity-read-more" id="activity-read-more-299129"><a href="https://www.propertyinvesting.com/topic/4994971-underpinning-help/" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic ANZ Loans disconnect with their customers. in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4406053-anz-loans-disconnect-with-their-customers/#post-4665284</link>
				<pubDate>Sun, 05 May 2013 08:19:45 +0000</pubDate>

									<content:encoded><![CDATA[<p>I agree with some of the sentiments here.&nbsp; I&#039;ve got loans with&nbsp;all the&nbsp;Big 4 and find that they are not all that much different.&nbsp; Sometimes ANZ seem to be the best and then&nbsp;CBA may be the best.&nbsp; If you leave ANZ for another bank you may find that the next one may be even&nbsp;worse.</p>
<p>The key is to get a decent broker.&nbsp;&nbsp;They can do things which I&#039;ve&hellip;<span class="activity-read-more" id="activity-read-more-9009"><a href="https://www.propertyinvesting.com/topic/4406053-anz-loans-disconnect-with-their-customers/#post-4665284" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Best suburbs in and around Brisbane for renovate to hold/sell?? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4409209-best-suburbs-in-and-around-brisbane-for-renovate-to-holdsell/#post-4689977</link>
				<pubDate>Sun, 05 May 2013 08:06:35 +0000</pubDate>

									<content:encoded><![CDATA[<p>Chinchilla/Miles are very expensive if you want to buy new but not sure about second hand stuff.</p>
<p>You&#039;d have to go out a fair way from Brisbane CBD (ie more than 15 km) if you to buy a house&nbsp;for $300K.&nbsp; You may be able to get a unit but even then you will struggling unless you go a fair way out.</p>
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				<title>hleung replied to the topic Surat Basin in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4399757-surat-basin/#post-4623409</link>
				<pubDate>Fri, 07 May 2010 09:26:38 +0000</pubDate>

									<content:encoded><![CDATA[<p>I have taken out a contract with Surat Basin Homes to build a house and land package.  I am impressed with their product, being far superior to anything else around.  I have been dealing with Di Ewen who has been more than helpful.There is a program on the Surat Basin, and in particular Chinchilla, this coming Sunday 9th May on ABC Landline at 12 midday.</p>
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				<title>hleung replied to the topic I'm about to lose $20,000 - all advice appreciated in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4399645-im-about-to-lose-20000-all-advice-appreciated/#post-4622907</link>
				<pubDate>Sat, 24 Apr 2010 03:07:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>Terryw wrote:<br />
If it was subject to finance then she could get out of the contract, but it seems this was an off the plan type purchase. Long settlement. In that case no vendor is going to take the risk of a purchaser pulling out at the last min so they wouldn be unlikely to accept a finance clause, or if they do limiting it for a few&hellip;<span class="activity-read-more" id="activity-read-more-29702"><a href="https://www.propertyinvesting.com/topic/4399645-im-about-to-lose-20000-all-advice-appreciated/#post-4622907" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic I'm about to lose $20,000 - all advice appreciated in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4399645-im-about-to-lose-20000-all-advice-appreciated/#post-4622896</link>
				<pubDate>Fri, 23 Apr 2010 09:03:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>I still can&#039;t understand why you couldn&#039;t  get out of the contract through the finance clause.  You mentioned earlier that the exchanging of contracts forced you to go ahead with the contract &#8211; not sure what you mean.</p>
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				<title>hleung replied to the topic I'm about to lose $20,000 - all advice appreciated in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4399645-im-about-to-lose-20000-all-advice-appreciated/#post-4622893</link>
				<pubDate>Fri, 23 Apr 2010 04:03:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>I thought that all contracts these days had finance clauses.  If you can&#039;t get the finance, you should be able to get most of your deposit back.You mention that you got pre-approval which shouldn&#039;t make the contract binding.</p>
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				<title>hleung replied to the topic Help - Why won't anyone rent out my investment property :-( in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4399064-help-why-wont-anyone-rent-out-my-investment-property/page/2/#post-4619010</link>
				<pubDate>Sun, 21 Mar 2010 07:37:10 +0000</pubDate>

									<content:encoded><![CDATA[<p>I feel for you but a reduced rent is better than allowing it to stay unrented for too long a time.  One of my units had to have its rent reduced by $70 to get someone in.  Over time I was able to get it up to the market rate again and yes it did hurt but in the long run everything worked out well.My agent told me to keep on reducing the rent by $&hellip;<span class="activity-read-more" id="activity-read-more-252932"><a href="https://www.propertyinvesting.com/topic/4399064-help-why-wont-anyone-rent-out-my-investment-property/page/2/#post-4619010" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Do I sell or hold on?? What would you do? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4398928-do-i-sell-or-hold-on-what-would-you-do/#post-4618006</link>
				<pubDate>Sun, 28 Feb 2010 09:36:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>I would definitely sell if what you say is correct.  Before considering some of the other options ie subdividing I&#039;d be very careful with your figures as it could be a lot more than you think.   It doesn&#039;t make sense to hold on to something which is constantly losing money.  How do you know that there won&#039;t be any capital growth in the futu&hellip;<span class="activity-read-more" id="activity-read-more-199025"><a href="https://www.propertyinvesting.com/topic/4398928-do-i-sell-or-hold-on-what-would-you-do/#post-4618006" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic October 09 Property Crash Begins in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4397378-october-09-property-crash-begins/page/3/#post-4609643</link>
				<pubDate>Sat, 27 Feb 2010 06:17:24 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;m with you, Sailesh.  The demand, particularly from immigration and overseas investors, is still there.  A lot of these migrants are cashed up in a market where there is a shortage of land for housing.  Many investors are shying away from the stock market.  They&#039;ve got to put their money somewhere, and at the moment, it appears to be in pro&hellip;<span class="activity-read-more" id="activity-read-more-273923"><a href="https://www.propertyinvesting.com/topic/4397378-october-09-property-crash-begins/page/3/#post-4609643" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Unable to get a tenant in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4398818-unable-to-get-a-tenant/#post-4617387</link>
				<pubDate>Fri, 19 Feb 2010 04:46:51 +0000</pubDate>

									<content:encoded><![CDATA[<p>It&#039;s a bad sign if your agent hasn&#039;t been the most responsive.  A decent agent will be creative and pro active, not waiting for you to make suggestions such as dropping the rent by $35.  I had to go through a couple of agents before I got a decent one.  The first ones never contacted me when re-letting a property; the current ones would ring me up&hellip;<span class="activity-read-more" id="activity-read-more-173028"><a href="https://www.propertyinvesting.com/topic/4398818-unable-to-get-a-tenant/#post-4617387" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Unable to get a tenant in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4398818-unable-to-get-a-tenant/#post-4617383</link>
				<pubDate>Fri, 19 Feb 2010 04:21:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>You may have to change your agent</p>
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				<title>hleung replied to the topic Property Investor Clubs Brisbane in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4398442-property-investor-clubs-brisbane/#post-4615147</link>
				<pubDate>Fri, 29 Jan 2010 00:02:05 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;ve been meeting with a group on the northside of Brisbane (about 14km from CBD) in a private home for about 3 years.  No cost, free coffee and biscuits.  No hidden agendas.   There is an average attendance of about 10 which is nearly enough.  We range from those who have one property to those who have over 10.  We&#039;ve got a successful devel&hellip;<span class="activity-read-more" id="activity-read-more-148066"><a href="https://www.propertyinvesting.com/topic/4398442-property-investor-clubs-brisbane/#post-4615147" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Metropole as a buyers agent??? in the forum Heads Up!</title>
				<link>https://www.propertyinvesting.com/topic/4393126-metropole-as-a-buyers-agent/#post-4586477</link>
				<pubDate>Tue, 26 Jan 2010 22:33:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>JNM wrote:<br />
While I have also benfited from MY&#039;s books, newsletter and seminars but in my mind, it does not necessarily mean that his company&#039;s buyer agent service would be the most suitable for one&#039;s buying needs at a particular time. What I mean is it depends where you intend to buy in sydney, what kind of property and what your strategy is. Met&hellip;<span class="activity-read-more" id="activity-read-more-362400"><a href="https://www.propertyinvesting.com/topic/4393126-metropole-as-a-buyers-agent/#post-4586477" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Metropole as a buyers agent??? in the forum JNM wrote: While I have also</title>
				<link>https://www.propertyinvesting.com/topic/4393126-metropole-as-a-buyers-agent/#post-4586477</link>
				<pubDate>Tue, 26 Jan 2010 22:33:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>JNM wrote:<br />
While I have also benfited from MY&#039;s books, newsletter and seminars but in my mind, it does not necessarily mean that his company&#039;s buyer agent service would be the most suitable for one&#039;s buying needs at a particular time. What I mean is it depends where you intend to buy in sydney, what kind of property and what your strategy is. Met&hellip;<span class="activity-read-more" id="activity-read-more-362383"><a href="https://www.propertyinvesting.com/topic/4393126-metropole-as-a-buyers-agent/#post-4586477" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Metropole as a buyers agent??? in the forum Heads Up!</title>
				<link>https://www.propertyinvesting.com/topic/4393126-metropole-as-a-buyers-agent/#post-4586477</link>
				<pubDate>Tue, 26 Jan 2010 22:33:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>JNM wrote:<br />
While I have also benfited from MY&#039;s books, newsletter and seminars but in my mind, it does not necessarily mean that his company&#039;s buyer agent service would be the most suitable for one&#039;s buying needs at a particular time. What I mean is it depends where you intend to buy in sydney, what kind of property and what your strategy is.&hellip;<span class="activity-read-more" id="activity-read-more-14139"><a href="https://www.propertyinvesting.com/topic/4393126-metropole-as-a-buyers-agent/#post-4586477" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic NRAS Investments in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4396465-nras-investments-2/page/2/#post-4605198</link>
				<pubDate>Tue, 26 Jan 2010 02:56:30 +0000</pubDate>

									<content:encoded><![CDATA[<p>god_of_money wrote:<br />
I still don&#039;t understand why people want to buy NRAS property just because of small tax advantage.Please enlighten me if I am wrong</p>
<p>The tax advantage is not small.  It is currently $8600 per year, indexed to inflation. It is this payment that usually makes these properties, cash flow positive.  Where else can you get a c&hellip;<span class="activity-read-more" id="activity-read-more-140332"><a href="https://www.propertyinvesting.com/topic/4396465-nras-investments-2/page/2/#post-4605198" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Property Investment Options in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4398335-property-investment-options/#post-4614571</link>
				<pubDate>Tue, 12 Jan 2010 02:51:37 +0000</pubDate>

									<content:encoded><![CDATA[<p>You could probably do something now without waiting for the loan to come down.  You need to get yourself a good mortgagebroker who will tell you how much money you can borrow.  There are some very good brokers on this forum.  I&#039;m also on somersoft.com.au which also has some great brokers.Based on your income and equity you should be able to buy so&hellip;<span class="activity-read-more" id="activity-read-more-249162"><a href="https://www.propertyinvesting.com/topic/4398335-property-investment-options/#post-4614571" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Solar Hot water and Green Loans in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4397328-solar-hot-water-and-green-loans/#post-4609393</link>
				<pubDate>Wed, 30 Dec 2009 01:43:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>Tammy, do you know how of the 70,000 loans have been approved?</p>
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				<title>hleung replied to the topic Solar Hot water and Green Loans in the forum Tammy, not too sure what you</title>
				<link>https://www.propertyinvesting.com/topic/4397328-solar-hot-water-and-green-loans/#post-4609390</link>
				<pubDate>Tue, 29 Dec 2009 23:45:44 +0000</pubDate>

									<content:encoded><![CDATA[<p>Tammy, not too sure what you mean that there are only 70,000 green loans.  Does that mean only 70,000 of those who applied for an assessment will actually get a loan?  If there are 360,000 assessments, surely more than 70,000 will be eligible based on the criteria I was shown.</p>
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				<title>hleung replied to the topic Solar Hot water and Green Loans in the forum I've been waiting now for 4</title>
				<link>https://www.propertyinvesting.com/topic/4397328-solar-hot-water-and-green-loans/#post-4609386</link>
				<pubDate>Mon, 28 Dec 2009 20:43:01 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;ve been waiting now for 4 weeks for the report in order to get the green loan.  How long does it normally take?  Which banks lend on these green loans and how strict are they on eligibility requirements?</p>
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				<title>hleung replied to the topic the very start in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4398169-the-very-start/#post-4613456</link>
				<pubDate>Mon, 28 Dec 2009 01:31:00 +0000</pubDate>

									<content:encoded><![CDATA[<p>That&#039;s a hard one as you don&#039;t give much information about income, education.  My advice is to get as much education as you can, not the formal stuff at unis and TAFE but by following those who have been successful (eg Steve McKnight, Margaret Lomas, Michael Yardney, Reno Kings, Jan Somers, John Fitzgerald).  There are heaps of books around so jus&hellip;<span class="activity-read-more" id="activity-read-more-96320"><a href="https://www.propertyinvesting.com/topic/4398169-the-very-start/#post-4613456" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic NRAS Investments in the forum There is an article in the</title>
				<link>https://www.propertyinvesting.com/topic/4396465-nras-investments-2/page/2/#post-4605189</link>
				<pubDate>Mon, 28 Dec 2009 01:22:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>There is an article in the latest API magazine re NRAS properties.  The figures look compelling.  I&#039;m going to contact the 3 builders mentioned and would like to know if anyone has had any experience with Aztec Developments, Awesome1 Property and Surat Basin Homes.The most attractive thing about these properties is that they are cash flow p&hellip;<span class="activity-read-more" id="activity-read-more-122508"><a href="https://www.propertyinvesting.com/topic/4396465-nras-investments-2/page/2/#post-4605189" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Get in now or wait 12 months? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4397591-get-in-now-or-wait-12-months/#post-4610544</link>
				<pubDate>Sun, 25 Oct 2009 08:18:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>My advice is that if you can afford it now, buy it.  Of course you must take into account interest rate increases.  Property in many parts of Australia is still rising quickly.  If you wait another 12 months, you&#039;ve not only paid rent but prices may have risen by $20,000 plus if the value of the property is over $400,000.</p>
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				<title>hleung replied to the topic Developing Interstate in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4396708-developing-interstate/#post-4606428</link>
				<pubDate>Sat, 18 Jul 2009 08:28:39 +0000</pubDate>

									<content:encoded><![CDATA[<p>There are companies around that will do all the work for you.  For example, Developers Edge source land, build the house and even organise a tenant for you.  Some of his clients live interstate and even overseas.  Some of them never personally see the property before it is tenanted out.   I recently had a house built by his organisation and was&hellip;<span class="activity-read-more" id="activity-read-more-181416"><a href="https://www.propertyinvesting.com/topic/4396708-developing-interstate/#post-4606428" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic I need a tenant!!!!! (and/or a new property manager) in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4396593-i-need-a-tenant-andor-a-new-property-manager/#post-4605847</link>
				<pubDate>Mon, 29 Jun 2009 23:29:44 +0000</pubDate>

									<content:encoded><![CDATA[<p>I had a similar problem to you with a property I had in Brisbane.  It&#039;s a matter of patience because it will eventually rent out.  It&#039;s so important to show confidence in your property manager otherwise you may as well move on now.  Also, you must work closely with your PM and ask him questions about his marketing strategy, when to lower rent an&hellip;<span class="activity-read-more" id="activity-read-more-250064"><a href="https://www.propertyinvesting.com/topic/4396593-i-need-a-tenant-andor-a-new-property-manager/#post-4605847" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic RECEIVED 60K - INVEST IN IP OR PUT TOWARDS PPOR ? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4396452-received-60k-invest-in-ip-or-put-towards-ppor/#post-4605094</link>
				<pubDate>Sun, 14 Jun 2009 10:06:08 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;d agree with firstmillion and Terry.  Increasing the loans on your IPs is a lot more tax effective than putting the $60K as deposits for IPs.  You need to talk to both your accountant and a good mortgage broker.</p>
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				<title>hleung replied to the topic Too many renovated properties - better off to sell as is. in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4395957-too-many-renovated-properties-better-off-to-sell-as-is/#post-4602197</link>
				<pubDate>Sun, 07 Jun 2009 03:35:06 +0000</pubDate>

									<content:encoded><![CDATA[<p>Have you considered the capital gains implications in selling the property?  Unless you have to sell, I&#039;d hold on to the property.  </p>
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				<title>hleung replied to the topic Need help at a crossroads in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4396401-need-help-at-a-crossroads/#post-4604863</link>
				<pubDate>Sun, 07 Jun 2009 03:28:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>Normally I don&#039;t investing in mining towns as the prices and rental demand can change so quickly.  However not all mining towns are the same so could you give us some information on what factors are likely to underpin Emerald&#039;s future.  Why are are so interested in Emerald?My preference would be to invest in Adelaide as prices are likely to be m&hellip;<span class="activity-read-more" id="activity-read-more-157084"><a href="https://www.propertyinvesting.com/topic/4396401-need-help-at-a-crossroads/#post-4604863" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Brissie Bargains for Llong Term Growth in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4396338-brissie-bargains-for-llong-term-growth/#post-4604489</link>
				<pubDate>Thu, 04 Jun 2009 22:30:12 +0000</pubDate>

									<content:encoded><![CDATA[<p>crashy wrote:<br />
hi Michael have a search for &#039;redcliffe&quot; on this forum, Ive written heaps about it. disagree with stalled the last 2 years, I sold one in March 08 (peak was Jan/Feb 08) and another in Aug 08. I no longer own any property. I dont expect price growth to come ANYWHERE anytime soon, but IF it does come somewhere, Redcliffe is where it&hellip;<span class="activity-read-more" id="activity-read-more-165610"><a href="https://www.propertyinvesting.com/topic/4396338-brissie-bargains-for-llong-term-growth/#post-4604489" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Brissie Bargains for Llong Term Growth in the forum Hardly anything available in</title>
				<link>https://www.propertyinvesting.com/topic/4396338-brissie-bargains-for-llong-term-growth/#post-4604483</link>
				<pubDate>Sat, 30 May 2009 21:01:38 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hardly anything available in any of the areas you mentioned for under $300,000.  The Redcliffe area ie Margate, Woody Point would probably have the best potential.  Still lots of older homes but would need a fair bit of work at your price range.  There are still reasonable quality houses in Kallangur for under $350,000 &#8211; growth potential is re&hellip;<span class="activity-read-more" id="activity-read-more-162998"><a href="https://www.propertyinvesting.com/topic/4396338-brissie-bargains-for-llong-term-growth/#post-4604483" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Custodian Wealth in the forum god_of_money wrote:I can do</title>
				<link>https://www.propertyinvesting.com/topic/4396040-custodian-wealth/#post-4602989</link>
				<pubDate>Wed, 22 Apr 2009 10:23:10 +0000</pubDate>

									<content:encoded><![CDATA[<p>god_of_money wrote:<br />
I can do it myself without paying 3%</p>
<p>I&#039;ve got a friend who went through Custodian Wealth for his first investment property.  He said that, without their help, he would have been too nervous going into property investing.  The 3% amounted to close to $10,000 but thought that it was well worth paying as he had no hassles at a&hellip;<span class="activity-read-more" id="activity-read-more-99657"><a href="https://www.propertyinvesting.com/topic/4396040-custodian-wealth/#post-4602989" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic interest rates to fall to 1% ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4396007-interest-rates-to-fall-to-1/#post-4602486</link>
				<pubDate>Thu, 16 Apr 2009 10:30:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>Rates may go down to 2% but not likely to 1% unless our economy really &quot;tanks&quot;.  Even if rates did fall to 1% I don&#039;t think that mortgage rates will go down much more from our present levels.  If interest rates drop by another 1% then our mortgage rates may drop another .5% as the banks keep complaining about their high funding costs.</p>
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				<title>hleung replied to the topic Premium Finance in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4393288-premium-finance-2/page/4/#post-4587926</link>
				<pubDate>Tue, 14 Apr 2009 21:34:00 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;ve just read all the posts to this thread and must say that I am very confused.  On one hand we have a few people saying that they are very happy with Premium Finance while the majority (in particular Richard Taylor) bagging them.  If they are as good as some people say they are, we could be missing out on the services of a great organisation. O&hellip;<span class="activity-read-more" id="activity-read-more-273617"><a href="https://www.propertyinvesting.com/topic/4393288-premium-finance-2/page/4/#post-4587926" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Build times in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4395980-build-times/#post-4602343</link>
				<pubDate>Mon, 13 Apr 2009 10:04:40 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;ve built quite a few properties and something always crops up which delays the project ie rain, getting the right tradesmen at the right time, materials such as kitchen appliances not available.  6 months is possible if everything falls into place.I know it&#039;s extreme but I&#039;ve got a mate who has still hasn&#039;t got his project finished after 24&hellip;<span class="activity-read-more" id="activity-read-more-199073"><a href="https://www.propertyinvesting.com/topic/4395980-build-times/#post-4602343" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Interior Designer wanting to swap knowledge with Renovators in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4395966-interior-designer-wanting-to-swap-knowledge-with-renovators/#post-4602268</link>
				<pubDate>Mon, 13 Apr 2009 07:02:45 +0000</pubDate>

									<content:encoded><![CDATA[<p>I need an interior designer.  Do you deal with Brisbane investors?</p>
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				<title>hleung replied to the topic When to Buy? Will prices continue to fall in the near future? in the forum There is no way that I would</title>
				<link>https://www.propertyinvesting.com/topic/4395959-when-to-buy-will-prices-continue-to-fall-in-the-near-future/page/2/#post-4602227</link>
				<pubDate>Mon, 13 Apr 2009 07:00:05 +0000</pubDate>

									<content:encoded><![CDATA[<p>There is no way that I would buy now.  I&#039;m just waiting for the FHB grant to finish or change in July and start at looking at bargains as unemployment creeps up.  Rents in Brisbane are still holding up with 2 of my recent purchases rented at above my expectations.My finances are in order so ready to swoop as soon as prices start to &quot;tank&quot; d&hellip;</p>
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				<title>hleung replied to the topic Build times in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4395980-build-times/#post-4602341</link>
				<pubDate>Mon, 13 Apr 2009 06:51:21 +0000</pubDate>

									<content:encoded><![CDATA[<p>I agree with Scott No Mates.  9 &#8211; 12 months is about average.</p>
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				<title>hleung replied to the topic Is now the time to buy? in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4395225-is-now-the-time-to-buy-2/#post-4598217</link>
				<pubDate>Mon, 26 Jan 2009 05:31:49 +0000</pubDate>

									<content:encoded><![CDATA[<p>I wouldn&#039;t buy now even though most of the fundamentals appear to be there.  The &quot;smoker&quot; is unemployment which will make things even worse than it is now.  House prices are likely to deteriorate over the next year so why not wait a bit longer when interest rates are going to go over even lower.</p>
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				<title>hleung replied to the topic Does anyone have a trusted broker that they can recommend?? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4394589-does-anyone-have-a-trusted-broker-that-they-can-recommend/#post-4594915</link>
				<pubDate>Mon, 27 Oct 2008 10:03:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>Richard Luke has done what many other brokers and bank managers couldn&#039;t do for me.  He is an expert on CBA lending.  HIs phone number is 0432890344.  </p>
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				<title>hleung replied to the topic Building with Dixon Homes in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393535-building-with-dixon-homes/page/2/#post-4589212</link>
				<pubDate>Wed, 13 Aug 2008 09:01:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;ve just finished my 2nd home with Dixons and overall, am happy with the result.  It took about 6 weeks longer than predicted but still, not that bad.  The supervisor was very helpful and so have been the Chermside staff.  If ever I had a problem, I&#039;d arrange an appointment to see my sales consultant who always sorted things out for me.  I got&hellip;<span class="activity-read-more" id="activity-read-more-225596"><a href="https://www.propertyinvesting.com/topic/4393535-building-with-dixon-homes/page/2/#post-4589212" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Building with Dixon Homes in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4393535-building-with-dixon-homes/#post-4589198</link>
				<pubDate>Tue, 24 Jun 2008 03:49:02 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;ve built 2 homes through Dixon and have been happy with the experience.  The Chermside office (in particular Peter and Eliza) have been extremely helpful.  <strong>Advantages</strong>:  great value for money, reasonable building time (between 4 to 7 months), great tracking system, knowledgeable and helpful staff,  wide range of plans, inclusions are impro&hellip;<span class="activity-read-more" id="activity-read-more-60342"><a href="https://www.propertyinvesting.com/topic/4393535-building-with-dixon-homes/#post-4589198" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic TRAPPED BY NEGATIVE GEARING in the forum General Property</title>
				<link>https://www.propertyinvesting.com/topic/4386694-trapped-by-negative-gearing/page/3/#post-4554115</link>
				<pubDate>Sat, 26 Apr 2008 09:14:25 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yes, this happened to me as well.  I had a property that did not go up in value for over 5 years so had to fund a reasonable shortfall during this time.  In fact, my rents also went down during that period so was stressed out constantly during that time.  I tried to sell but would have got $10,000 less than what I paid.  I decided to hang in by&hellip;<span class="activity-read-more" id="activity-read-more-276702"><a href="https://www.propertyinvesting.com/topic/4386694-trapped-by-negative-gearing/page/3/#post-4554115" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic The Property School in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4393007-the-property-school/#post-4586101</link>
				<pubDate>Sat, 26 Apr 2008 06:15:12 +0000</pubDate>

									<content:encoded><![CDATA[<p>Have heard some good reports about the Property School.  At least they aren&#039;t selling you a product.  I heard that the course was very thorough, well organised and practical. </p>
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				<title>hleung replied to the topic LoDoc loan recommendations? (just got my ABN) in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393009-lodoc-loan-recommendations-just-got-my-abn/#post-4586110</link>
				<pubDate>Sat, 26 Apr 2008 06:12:49 +0000</pubDate>

									<content:encoded><![CDATA[<p>I was told that CBA and St George don&#039;t require ABN and GST.  That was a little while ago so contact a good broker who may be able to help you.</p>
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				<title>hleung replied to the topic Rent  Rise? in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393020-rent-rise/#post-4586144</link>
				<pubDate>Sat, 26 Apr 2008 06:09:32 +0000</pubDate>

									<content:encoded><![CDATA[<p>Very hard to help you if no one knows where your property is located.  Do you have a house or unit?  How old is your property</p>
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				<title>hleung replied to the topic building houses in the forum Value Adding</title>
				<link>https://www.propertyinvesting.com/topic/4392876-building-houses-2/#post-4585581</link>
				<pubDate>Wed, 23 Apr 2008 11:01:46 +0000</pubDate>

									<content:encoded><![CDATA[<p>I&#039;ve bought vacant land and built on it but have decided not to sell.  I made about $70,000 equity in each case.  Fortunately I bought the land just before the end of our current boom so can&#039;t guarantee that I&#039;ll be successful again.  I&#039;m currently building another house in Carseldine, Brisbane and am fairly confident but not positive that I&#039;ll be&hellip;<span class="activity-read-more" id="activity-read-more-119965"><a href="https://www.propertyinvesting.com/topic/4392876-building-houses-2/#post-4585581" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic Qld property Growth to continue. in the forum David Layton wrote:

Senior</title>
				<link>https://www.propertyinvesting.com/topic/4392983-qld-property-growth-to-continue/#post-4585997</link>
				<pubDate>Wed, 23 Apr 2008 10:48:55 +0000</pubDate>

									<content:encoded><![CDATA[<p>David Layton wrote:<br />
Senior Economist, <strong>Jason Anderson from BIS Shrapnel</strong>, says, &quot;&#8230;&#8230;. translates to a positive outlook for good positive growth for Queensland. It adds up to still being a very strong fundamental environment in terms of property price growth over the course of this year and into 2009&quot;. BIS Shrapnel forecasts, Brisbane is p&hellip;<span class="activity-read-more" id="activity-read-more-213779"><a href="https://www.propertyinvesting.com/topic/4392983-qld-property-growth-to-continue/#post-4585997" rel="nofollow">[Read more]</a></span></p>
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				<title>hleung replied to the topic New to Property Investing - Tips/Help With First Home Loan in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4392836-new-to-property-investing-tipshelp-with-first-home-loan/#post-4585453</link>
				<pubDate>Mon, 07 Apr 2008 07:31:24 +0000</pubDate>

									<content:encoded><![CDATA[<p>You shouldn&#039;t have any problems if your father is guarantor.  Have you gone to your bank yet?  There are some great mortgage  brokers around either on this forum or somersoft.com.au.  </p>
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				<title>hleung replied to the topic Whats your 2008 investment strategy? in the forum Not easy to get cash flow</title>
				<link>https://www.propertyinvesting.com/topic/4391769-whats-your-2008-investment-strategy/#post-4579239</link>
				<pubDate>Mon, 07 Apr 2008 07:28:18 +0000</pubDate>

									<content:encoded><![CDATA[<p>Not easy to get cash flow positive properties at the moment.  Some of my friends are looking at building duplexes which will be either neutral or close to cash flow positive.</p>
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