PropertyInvesting.com | holdandrefinance | Activity https://www.propertyinvesting.com/members/holdandrefinance/activity/ Activity feed for holdandrefinance. Tue, 14 Apr 2026 21:21:44 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 c8f59edd657bc21061f139c6c0cc0a69 holdandrefinance replied to the topic Benefits of Cross Collateralising in the forum Finance https://www.propertyinvesting.com/topic/4398989-benefits-of-cross-collateralising/#post-4618456 Sun, 11 Apr 2010 10:42:59 +0000 the only way icould start was to x collateralise or pay a fortune in LMI which i didnt have.now i have equity i have found it sometimes time consuming but have uncrossed,had i listened to the doomsdayers i would have done nothing and not had 5 IPs under management.

]]> c80b5c9f269dde6d40dee180ea99ccf3 holdandrefinance replied to the topic 10 yrs to retire if all goes well, Advise would be great!! in the forum Creative Investing https://www.propertyinvesting.com/topic/4399450-10-yrs-to-retire-if-all-goes-well-advise-would-be-great/#post-4621565 Sun, 11 Apr 2010 10:16:57 +0000 i smell a scam.do noy pay or sign anything.keep the mioney and do it yourself.if you make a mistake you will learn.give me 45000 and i will tell you the moon is made of cheese if that is what you want to hear.buy well positioned property and IN THE LONG RUN 10 -15 YEARS you MAY  see an average of 10%.by the way if its so easy why isnt he…[Read more]

]]> 243c09f5fd53ca1f5a67795e4cdf7ea4 holdandrefinance replied to the topic Help: buyer asking for the body corp fee after settlement in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4397570-help-buyer-asking-for-the-body-corp-fee-after-settlement/#post-4610467 Wed, 04 Nov 2009 08:31:41 +0000 is that a legalpoint or a personal opinion.again why isnt the conveyancer putting up their hand and saying oops

]]> a5fbe21c5c07d9558139bc11fa8d61be holdandrefinance replied to the topic Help: buyer asking for the body corp fee after settlement in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4397570-help-buyer-asking-for-the-body-corp-fee-after-settlement/#post-4610465 Fri, 30 Oct 2009 21:11:31 +0000 i think your conveyancer has to be held accountable.after all isnt this why we pay them.they should have pofessional liability insurance.as you say if it was spelt out in black and white in the section 32 it should have been picked up.if you do pay i would ask for a partial refund on the conveyancing fee.sounds fair to me

]]> 284abbee6fda1a3efe1e77bceea111de holdandrefinance replied to the topic LOC paying off ppor in the forum General Property https://www.propertyinvesting.com/topic/4397540-loc-paying-off-ppor/#post-4610350 Sun, 18 Oct 2009 06:40:58 +0000 i agree with terry you should apply for a private ruling.if you take out a line of credit against the ip then use the rent to pay off your ppor and let the ip interest capitalise i wonder how the ato would view it. i believe they will ask you do you own your ppor ,if no do you intend using the ip rent to help pay off your ppor  and let the ip in…[Read more]

]]> 270431fbe4cd6f6504b7631415dd36a7 holdandrefinance replied to the topic CBA chief vows not gouge interest rates. hmmm in the forum General Property https://www.propertyinvesting.com/topic/4397403-cba-chief-vows-not-gouge-interest-rates-hmmm/#post-4609843 Sat, 10 Oct 2009 03:27:46 +0000 i just read the shareholders report and read in disbelief the monies paid to directors and executives.the average executive is on about 2 million plus a year and we get told they are not overpaid! total remuneration for executives  for 2009 was 45.5 mllion dollars. idont see any of these people performing heart or brain surgery ,saving…[Read more]

]]> aafafe6c5ae9598c3905d8d1c1f7b8ff holdandrefinance replied to the topic I HAVE 120,000 IN BAD DEBT WHAT'S THE BEST WAY TO START PROPERTY INVESTING in the forum Help Needed! https://www.propertyinvesting.com/topic/4397342-i-have-120000-in-bad-debt-whats-the-best-way-to-start-property-investing/#post-4609430 Fri, 25 Sep 2009 22:39:13 +0000 investor 123how can you say its not bad debt just unsecured.do you think for one minute a lender is going to say yes we will loan you money because your bad debt is only unsecured  you dont have debt collectors after you.this guy has to stop spending and pay off his debt.its as simple as that.dont kid yourself the bad debt fairy isnt going to…[Read more]

]]> 342bd29c861a2819a8f5379233c59c95 holdandrefinance replied to the topic Issues with Body Corporate in the forum Help Needed! https://www.propertyinvesting.com/topic/4397106-issues-with-body-corporate/#post-4608518 Fri, 28 Aug 2009 23:03:52 +0000 i live in a body corporate am on the committee and openly admit i drive my own agenda.when absent owners want to attend meetings put up with tennants parking anywhere and having no consideration for others,the trouble we have just to get tennants names (from absent owners ) so we can take them to counselling and then vcat would make anyone drive t…[Read more]

]]> 7e4b56f9ce571058b2018bde2a20642c holdandrefinance replied to the topic Letterbox Sale in the forum Help Needed! https://www.propertyinvesting.com/topic/4396571-letterbox-sale/#post-4605723 Sun, 05 Jul 2009 02:40:42 +0000 did the agent act in the best interests of the vendor by getting the highest /best price.i dont think so .i only put real estate agents one step above politicians and used car salesmen.his commission on that extra $1100 WAS SAY 3% or $33 meaning the vendor was $1067 which could have paid conveyancing.put a flyer in peoples letter boxes asking if…[Read more]

]]> ea43b4689b0399f0f82baa6cdcaaaa59 holdandrefinance replied to the topic "THE INVESTORS CLUB" ANYONE HEARD OF THEM OR KNOW WHAT THEY ARE ABOUT? in the forum Help Needed! https://www.propertyinvesting.com/topic/4389727-the-investors-club-anyone-heard-of-them-or-know-what-they-are-about/#post-4568106 Wed, 17 Jun 2009 06:33:54 +0000 i thought one of the knockers out there would of had something to say by now or have i hit the nail on the head

]]> a1401647abbaa30d0fcd3d5614398b13 holdandrefinance replied to the topic "THE INVESTORS CLUB" ANYONE HEARD OF THEM OR KNOW WHAT THEY ARE ABOUT? in the forum i am not hearing anyone say https://www.propertyinvesting.com/topic/4389727-the-investors-club-anyone-heard-of-them-or-know-what-they-are-about/#post-4568105 Thu, 11 Jun 2009 08:42:41 +0000 i am not hearing anyone say that their properties are shabby,old,in poor growth areas,get a poor yield or poor capital growth.i have never purchased through tic though i did attend a confrence( paid for by myself).the government is telling me i have to work to 67 to get the pension .my super wont buy me a new car when i retire if i live that…[Read more]

]]> 5a430fa2a7e4226d6a4efd81370c7986 holdandrefinance replied to the topic "THE INVESTORS CLUB" ANYONE HEARD OF THEM OR KNOW WHAT THEY ARE ABOUT? in the forum Help Needed! https://www.propertyinvesting.com/topic/4389727-the-investors-club-anyone-heard-of-them-or-know-what-they-are-about/#post-4568105 Thu, 11 Jun 2009 08:42:41 +0000 i am not hearing anyone say that their properties are shabby,old,in poor growth areas,get a poor yield or poor capital growth.i have never purcahsed thruogh tic though i did attend a confrence( paid for by myself).the government is telling me i have to work to 67 to get the pension .my super wont buy me a new car when i retire if i live that…[Read more]

]]> dd2431296e7904649c28b088cd283ab9 holdandrefinance replied to the topic FREE Residex Property Reports for VICTORIAN, TASMANIAN, and SOUTH AUSTRALIAN properties - Investment or Owner Occupied in the forum mike thanks very much for https://www.propertyinvesting.com/topic/4396010-free-residex-property-reports-for-victorian-tasmanian-and-south-australian-properties-investment-or-owner-occupied/page/4/#post-4602561 Tue, 09 Jun 2009 08:12:59 +0000 mikethanks very much for the report.wvery informativeregardsglenn

]]> cb8c710424a34f896e1b2feb9b810344 holdandrefinance replied to the topic Removing cross collaterisation with CBA in the forum Finance https://www.propertyinvesting.com/topic/4396345-removing-cross-collaterisation-with-cba/#post-4604589 Mon, 08 Jun 2009 02:25:52 +0000 Fishgymjust remember ,brokers have a vested interest in their comments as it can lead refinancing and commission.ask a broker to give you a rebate or refund for using their services and see what answer you get.whilst i am not a fan of cross collateralising if it means you get the loan isnt that better than not getting the loan????????i picked my…[Read more]

]]> d59290af6ed3bf593198d39cdf4574d0 holdandrefinance replied to the topic rent to buy in the forum Finance https://www.propertyinvesting.com/topic/4396342-rent-to-buy-3/#post-4604502 Sun, 31 May 2009 06:53:11 +0000 are you living there or rentingout. how long do you want to borrow for

]]> c87e1e38d77b2e7f97b3d239df5b1044 holdandrefinance replied to the topic Removing cross collaterisation with CBA in the forum Finance https://www.propertyinvesting.com/topic/4396345-removing-cross-collaterisation-with-cba/#post-4604582 Sun, 31 May 2009 02:26:40 +0000 i have had dealings with the cba similar to yours once the lvr got down to 80% i was able to get them to stand alone.i then went to a different bank for my next purchase.i tried brokers and was stitched up with the wrong loan type paying monthly fees.from my experience with brokers i suggest you try  having an informal  chat to a loans officer f…[Read more]

]]> c77c09e0c3faef4ab584f76964a58a44 holdandrefinance replied to the topic rock and hard place in the forum Help Needed! https://www.propertyinvesting.com/topic/4396313-rock-and-hard-place/#post-4604406 Fri, 29 May 2009 08:40:00 +0000 its not all doom and gloom.i started out negatively geared but at least i did something !!! i havent lost any money which i would have if i were in super and remember the real money is in capital growth.hang in there and a few years from now you will wonder what all the fuss was about.i only wish i had a place on the gold coast not a bad place to retire

]]> 45e8cf8b0e229f7a8158126fc618b4bb holdandrefinance replied to the topic capitalised interest in the forum Finance https://www.propertyinvesting.com/topic/4395289-capitalised-interest-3/#post-4598599 Mon, 09 Mar 2009 03:09:03 +0000 exactly.

]]> e43cfb699cba3557c0237ca77a2d477b holdandrefinance replied to the topic Re- SPAM and advertising in PM box for everyone? in the forum General Property https://www.propertyinvesting.com/topic/4395079-re-spam-and-advertising-in-pm-box-for-everyone/#post-4597502 Wed, 07 Jan 2009 10:42:21 +0000 its gotta be a scam

]]> 58aa630550b6f85f85373276d5437e9f holdandrefinance replied to the topic Cash flow strategy. Is this Legal in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4395005-cash-flow-strategy-is-this-legal/#post-4597101 Mon, 29 Dec 2008 07:16:21 +0000 its never for tax purposes is it?

]]> 60c4dbb90cdb5fa9035f28f0d309b45d holdandrefinance replied to the topic Cash flow strategy. Is this Legal in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4395005-cash-flow-strategy-is-this-legal/#post-4597097 Sat, 27 Dec 2008 22:01:01 +0000 apply for a private ruling i have last financial year had it was appproved.there is a tax lawyer named julia hartman who writes in australian poperty investor and is very knowledgeable on this subject it might be worth reading some of her articles regarding capitalised interest or go to the ato website and look up private ruling numbers 69725 and…[Read more]

]]> 9388dcb2c673562a4dfdb368245996a0 holdandrefinance replied to the topic What would do? in the forum Help Needed! https://www.propertyinvesting.com/topic/4390771-what-would-do/#post-4574070 Wed, 12 Sep 2007 09:02:03 +0000 get a line of credit and buy something in queensland.do your homework and i am sure you will find something.you are young  put your head down and by the time you are 35 you could/should be able to retire.borrow the lot stamp duty evrything and leave your own money in a line of credit.go to the ato website and look up private binding ruling 69725…[Read more]

]]> 46c978545dfbd7ddb073d926569ff478 holdandrefinance replied to the topic Capitalising Interest ? in the forum Finance https://www.propertyinvesting.com/topic/4390586-capitalising-interest-2/page/2/#post-4572841 Wed, 12 Sep 2007 08:48:27 +0000 look up private binding ruling 69725 on the ato website it might help youglenn

]]> 38c557a446a0e75d4d7943d495faba71 holdandrefinance replied to the topic Should I sell our family house and realise 750k? in the forum Help Needed! https://www.propertyinvesting.com/topic/4385104-should-i-sell-our-family-house-and-realise-750k/#post-4545530 Tue, 18 Apr 2006 09:13:21 +0000 what you see as a problem i see as an opportunity.in your case to secure a financial future of miilions.on 240k pa you are both paying heaps of taxand getting no thanks for it .true?

i cant see why you cant get a line of credit or at worst x coll go lo od cif the banks give you a hard time or find a good broker and make your equity work for you…[Read more]

]]> 9dd161e653a169d3ce2979f702510973 holdandrefinance replied to the topic 80% lo doc no doc in the forum Finance https://www.propertyinvesting.com/topic/4385010-80-lo-doc-no-doc/#post-4545066 Fri, 14 Apr 2006 00:06:45 +0000 what about going up to 70% and offering up property for cross collateralisation? is lmi involved are the fees less….anyone?

never never never sell

]]> 00064d3f632a3b94bc4bbd452231aaed holdandrefinance replied to the topic sell rental and pay out own home loan? in the forum No Subject https://www.propertyinvesting.com/topic/4384184-sell-rental-and-pay-out-own-home-loan/#post-4540680 Sat, 11 Feb 2006 07:05:16 +0000 Richard

i am interested to know how you work out 25K of CGT may and i mean may be payable

regards

glenn

never never never sell

]]> fb45c7788f54e93cd45cd376c626a908 holdandrefinance replied to the topic Best Lo Doc LVR in the forum Finance https://www.propertyinvesting.com/topic/4383297-best-lo-doc-lvr/#post-4535926 Tue, 29 Nov 2005 10:16:40 +0000 have a look at st george i see they have 5 rs at 6.59% ithink the lvr is 70% a good mortgage broker should be able to help you

never never never sell

]]> b9072305bbe587e4bacdb24388952b86 holdandrefinance replied to the topic Access Equity and pay CGT? in the forum No Subject https://www.propertyinvesting.com/topic/4376185-access-equity-and-pay-cgt/#post-4491053 Tue, 05 Oct 2004 07:27:01 +0000 hi sonja
as my long on suggests what you hve simply done is access some of your capital growth.the amount you have borrowed is not tax deductible but no cgt is payable..this is the beauty of an investment property you can borrow against the capital growth and not pay tax (let your kids do that )lol.whats the point of having all this built up…[Read more]

]]> 2febc72d78969bce58f1616886f781ae holdandrefinance replied to the topic Tax Advantages in the forum Finance https://www.propertyinvesting.com/topic/4374807-tax-advantages/#post-4481365 Thu, 08 Jul 2004 05:21:55 +0000 I agree with kay henry .if it wasnt for x coll i would never have been able to get a start in buying ips i now have 4.if you have done your homework a lot of the risk would be eliminated.if you go into investing worrying you might lose it all maybe you shouldnt buy.

never never never sell

]]> 900bd26c88fe4512205b32c310a1097a holdandrefinance replied to the topic Need some feedback from The Investors Club members in the forum Help Needed! https://www.propertyinvesting.com/topic/4374628-need-some-feedback-from-the-investors-club-members/#post-4480284 Sun, 27 Jun 2004 04:41:18 +0000 I ATTENDED A DAY OF THEIR ANNUAL CONFERENCE ON THE GOLD COAST 2 YEARS AGO JUST HAPPENED TO BE ON HOLIDAY AT THE TIME AND PAID MY MONEY AND WENT ALONG FOR THE DAY.IT ALL SOUNDS GREAT GET 106 PERCENT FINANCE BUY A NEW PROPERTY EVERY YEAR PROPERTIES GROW BY ABOUT 10PERCENT ANNUAL SO DOUBLE EVERY 7 YEARS THEN JUST DRAW DOWN EQUITY AND LIVE OFF…[Read more]

]]> 70c264bdd52c25b3524821505e156a57 holdandrefinance replied to the topic NAB LVR in the forum Finance https://www.propertyinvesting.com/topic/4374241-nab-lvr/#post-4477567 Fri, 04 Jun 2004 07:16:17 +0000 iambored
for tohse of us that dont know can you please explain what St George SMS is and LEF
THANKS

never never never sell

]]> 7c0ae9304a5d147f677553a00f308a0c holdandrefinance replied to the topic What's your problem? in the forum Finance https://www.propertyinvesting.com/topic/4373902-whats-your-problem/#post-4475048 Sun, 23 May 2004 08:02:04 +0000 hi stu
read your articles very informative.
an aticle on ‘due diligence’may help a lot of people especially what steps people can take or what information they should gather to present to a valuer inorder to obtain the highest valuation possible rather than relying on a bank valuation.

never never never sell

]]> d730664ebf956c786043ef60178beb9b holdandrefinance replied to the topic Paying Too much Tax?!!?! in the forum Help Needed! https://www.propertyinvesting.com/topic/4373637-paying-too-much-tax/#post-4473044 Sat, 15 May 2004 01:48:03 +0000 i agree with mortgage advisor .if you can buy something and rent it out apply for yuor weekly tax deductions to be adjusted you may even find you have more money in your pocket otherwise you juat keep making the ato happy by paying truck loads of TAX!!!!!!!

JUST MY 2 CENTS WORTH

GOOD LUCK

never never never sell

]]> 2c7f5047310454f757523dd5ece9d178 holdandrefinance replied to the topic Should I Sell? in the forum Help Needed! https://www.propertyinvesting.com/topic/4373588-should-i-sell-2/#post-4472638 Tue, 11 May 2004 06:02:22 +0000 How many times do you hear people say “gee if i had known that i would never have sold”.Like a lot of others are saying i see your equity as deposits for numerous other properties.I always say nevern never never sell.Refinance and have a holiday or whatever you want to do but never sell.

Gee i wish i had your problem good luck

regards…[Read more]

]]> 0441fc9bde7f10581811cdecedd8f0d2 holdandrefinance replied to the topic banks and finance in the forum Help Needed! https://www.propertyinvesting.com/topic/4373568-banks-and-finance-2/#post-4472443 Mon, 10 May 2004 06:47:37 +0000 thanks to all who have taken time to help me.to fjficm i read your article i have a carbon copy problem.cba have a good product but they cut your legs off.
regards
glenn[biggrin]

never never never sell

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