https://www.propertyinvesting.com/members/hybrid2007/activity/ Activity feed for Hybrid2007. Wed, 15 Apr 2026 01:23:42 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 5ae1e2e5c35783caa326c5232568eeeb https://www.propertyinvesting.com/topic/4397468-amp-home-loan/#post-4610075 Sat, 10 Oct 2009 13:16:30 +0000 Richard,Credit policy pretty tough? I have had one broker tell me they were the best we had to go with, all other lenders not qualifying?Can i ask what are the negatives?

]]> 588d311665fb782e1af6309523acd860 https://www.propertyinvesting.com/topic/4395558-buy-on-a-main-road-coastal/#post-4600121 Sun, 01 Mar 2009 07:39:34 +0000 I have this perception perhaps that a property on a main road has a lower resale value than similar property that is not on the main road? I guess it all depends on the amenities and conveniences that are nearby. Could just be cos i would not like to personally live on a main road. Thanks for your opinions.

]]> 701dafe0947fc5e201895b64cd653ab0 https://www.propertyinvesting.com/topic/4395536-building-construction-timber-hardiflex-and-render-good-or-not/#post-4600021 Thu, 26 Feb 2009 08:47:24 +0000 Ok thanks a heap for your insight. I was a bit iffy on the whole thing. I dont think these builders are dodgey or anything as they build other quality brick homes. They just have this as an option to help home buyers with affordability but i am not a first homebuyer so i can spend the extra $20k!

]]> f09918d86af98dc1f4c097f02640e264 https://www.propertyinvesting.com/topic/4395536-building-construction-timber-hardiflex-and-render-good-or-not/#post-4600018 Thu, 26 Feb 2009 07:27:55 +0000 Hi hb, thanks for your comment. The link here shows pics of the construction of the display home. I was told it is hardiflex but it is visually a 'blue board' is this the same thing then? http://www.housemasters.com.au/solace/index.php  

]]> 184946fb42057b9944ca7659242dbe6a https://www.propertyinvesting.com/topic/4395534-mortgage-v-name-on-cert-of-title/#post-4600011 Thu, 26 Feb 2009 05:14:40 +0000 Hi Sonia, it may depend on your lender perhaps. I thought this sort of thing occurred where the loan is in husband's or husband and wife's name but the title is just in the wife's name for tax reasons etc. I have heard of it.

]]> 2b6cc8dae2bd452470c4246a6e414509 https://www.propertyinvesting.com/topic/4395329-low-doc-lending/#post-4598862 Wed, 18 Feb 2009 12:42:07 +0000 Richard, does this mean no refinance of traditional loan to lo doc product or no refinance of lo doc to lo doc? What if you want to access equity in an existing trad. loan to purchase another investment/s all under new lo doc loan?

]]> 5590bcee035ad4d167ebd1bff791fdb9 https://www.propertyinvesting.com/topic/4395442-moving-out-of-ppor-and-selling-it-cgt/#post-4599380 Wed, 18 Feb 2009 04:23:31 +0000 Great! thanks.

]]> cace605df8b8c0e61fb3a0fbf4ccaa9f https://www.propertyinvesting.com/topic/4394578-vendor-finance-16/#post-4594881 Fri, 28 Nov 2008 01:42:09 +0000 Hi Sharon, I haven't checked it out fully but a buyer's agent sent this link to me. Might be of use to you – http://www.rentoption.com.au

]]> b391308bc74aec24a026122409af987c https://www.propertyinvesting.com/topic/4394170-tax-variation-form/#post-4592605 Sun, 07 Sep 2008 05:34:39 +0000 PropertySeeker, find out more here – http://www.ato.gov.au/corporate/content.asp?doc=/content/00136083.htm

]]> 9ce5ac822411b3e50f8e26278ead5417 https://www.propertyinvesting.com/topic/4380874-subdivision-codes-perth/#post-4520817 Sun, 07 Sep 2008 05:28:11 +0000 Redwing make sure you downloaded the right copy.  The R-Codes were updated in April 08 the above link is to the old version. See here http://www.wapc.wa.gov.au/Publications/1585.aspx

]]> 96819f5ef90d4ac2869373d06b0407c0 https://www.propertyinvesting.com/topic/4394167-otherwise-deductible-rule/#post-4592595 Sun, 07 Sep 2008 05:10:53 +0000 Denise, sorry i cant help but Im interested to know what the otherwise deductible rule is or what its for?

]]> 5fef0a1e9f225d66e8f331f49c503c46 https://www.propertyinvesting.com/topic/4394148-the-bank-wont-add-my-name-to-the-loan/#post-4592503 Sun, 07 Sep 2008 05:08:50 +0000 Hi Richard, are most of the banks like cba on this and have i been just lucky with ING?

]]> 657621b8edfa42e8ac09f516dfd7178e https://www.propertyinvesting.com/topic/4394148-the-bank-wont-add-my-name-to-the-loan/#post-4592501 Sun, 07 Sep 2008 04:36:02 +0000 Hi not so lucky,I assumed most banks would allow this, after all there are a lot of investors who put titles in the name of for eg. the lower income earner or the higher one for negative gearing benefits or +ve cashflow tax reduduction.I have done this before (2 names on loan, 1 on title) and the only thing they asked (ING) is that we have s…[Read more]

]]> 69d857cc9269f64ef247bd80adee0bef https://www.propertyinvesting.com/topic/4394059-loans-for-agency-temp-workers/#post-4592063 Fri, 22 Aug 2008 06:37:56 +0000 thanks Richard and Gibbo. Richard i'll send numbers through, thanks.

]]> 1b673b7424adf556530b8b41920712e8 https://www.propertyinvesting.com/topic/4394059-loans-for-agency-temp-workers/#post-4592060 Fri, 22 Aug 2008 05:29:11 +0000 It would be ideal to get at least an 80% lvr and i have equity in other investments to draw on for the shortfall against the new loan. I would like to service half of the yearly loan interest costs (after rent income) out of existing equity and half from mine and partner's income. Partner is the higher earner and is in a permanent job. I am the o…[Read more]

]]> 2b38fa119868e3e6b4716b2e0d2d4006 https://www.propertyinvesting.com/topic/4386541-looking-for-a-start-in-wa/#post-4553304 Sun, 11 May 2008 03:29:13 +0000 Hi Ng, for your price range i think with the market at the moment you could find a few properties in the Armadale area. I have a few investments in the area myself and I believe the area still has more potential. There is a redevelopment authority that has been there for a few years who have been working on lifting profile of the area. Its not a…[Read more]

]]> 0ec259902638707cac54b06c29aa84b8 https://www.propertyinvesting.com/topic/4393024-back-retaining-wall-is-on-neighbours-property/#post-4586159 Sun, 27 Apr 2008 07:09:09 +0000 Thanks for your replies, we will calm down – its our first live in home and we have not heard of this or experienced it before. I guess the neighbour just wanted to point it out to us for his peace of mind or whatever reason cos he was not concerned and wasn't asking for anything. I was thinking more in terms of if he sold it etc. But if an issue…[Read more]

]]> c579c0fc7294ff863c93ce30281990b8 https://www.propertyinvesting.com/topic/4393009-lodoc-loan-recommendations-just-got-my-abn/#post-4586109 Sat, 26 Apr 2008 05:37:12 +0000 So are there no more lo doc loans requiring just the 1 or 2 day ABN ?

]]> c3614931ff7fbf669a30ca74bfe3112d https://www.propertyinvesting.com/topic/4392785-loc-sub-accounts/#post-4585278 Sat, 05 Apr 2008 02:28:12 +0000 This may also be of assistance – http://law.ato.gov.au/atolaw/view.htm?locid='TXR/TR20002/NAT/ATO'&PiT=99991231235958

]]> 8c15a76ee98220cc281498404b1caa8a https://www.propertyinvesting.com/topic/4392785-loc-sub-accounts/#post-4585277 Sat, 05 Apr 2008 02:15:28 +0000 As far as i was told by my accountant, it is fine to have one loan account relating to separate IP's (u could even have PPOR in there) but as long as you can account for each of the different expenditure with receipts, dates, account reconciliations etc, they will just apportion the expenses to the separate properties. Sub accounts are set up i…[Read more]

]]> b5183962037e0e88c7d878a2cc6fdbd0 https://www.propertyinvesting.com/topic/4392811-buying-unit-of-3-no-strata-goodbad/#post-4585371 Fri, 04 Apr 2008 10:48:56 +0000 In SA

]]> 882d2feb19387a7c6f13bbb37c0cd2f1 https://www.propertyinvesting.com/topic/4392811-buying-unit-of-3-no-strata-goodbad/#post-4585369 Thu, 03 Apr 2008 13:12:35 +0000 Scott, maybe i didn't explain properly. The properties im shying away from are the ones that dont have a bc. I think there is some rule that if there are less than 5 units there is no need for bc and owners work it out amongst themselves.

]]> cdc401bb4d2383be1a0f42bef92b8b3e https://www.propertyinvesting.com/topic/4392680-has-anyone-had-conservativelow-valuations-of-late/#post-4584492 Tue, 18 Mar 2008 23:20:16 +0000 formerly known as Ray White Valuers

]]> 3f02ba33f8696f0bc603ff4e624c7396 https://www.propertyinvesting.com/topic/4392680-has-anyone-had-conservativelow-valuations-of-late/#post-4584491 Tue, 18 Mar 2008 23:19:44 +0000 Hi Nat the valuers the bank used were Propell Valuers – formerly Ray White Valuers. I wish you well with your valuation. Would be interested to know how you go.

]]> a45b3afb3c0f001faa05e7187b3628fe https://www.propertyinvesting.com/topic/4392641-deciding-to-invest-in-a-unit/#post-4584230 Tue, 18 Mar 2008 14:04:57 +0000 gd17 where abouts are you looking ? (im from Perth) I agree with what Jeff said about the bigger the complex the lower the actual land component you are buying. I personally prefer to buy villas where you are getting in cheaper than a house but you also get some land value as opposed to multi level dwellings.

]]> 827014f4f07a7ec2979aaab9801594ae https://www.propertyinvesting.com/topic/4392680-has-anyone-had-conservativelow-valuations-of-late/#post-4584488 Tue, 18 Mar 2008 13:17:26 +0000 does anyone know if when valuing an investment property they take into account the rental on it? Because this valuation was done on my own home i think i missed out on the accuracy. I have an investment property that i believe is valued at about $200k+, it is rented for $180pw. The yields in Geraldton are around gross 4% (if not less) now so wo…[Read more]

]]> 2ab99204dd8e0b335d38e8556068441d https://www.propertyinvesting.com/topic/4392680-has-anyone-had-conservativelow-valuations-of-late/#post-4584486 Tue, 18 Mar 2008 12:29:25 +0000 wow Jackie that is a huge difference between the banks. Gives me some hope… I asked my broker what they thought of trying a different lender. They said that it wouldn't make any difference. The valuer was Ray White Valuers in Perth, for Aust Central credit union.  Plus i hate to say this but i had a gut feeling it was going to come in off the…[Read more]

]]> 3a8fc15d807fd325d7d8d4690a907cce https://www.propertyinvesting.com/topic/4392658-anyone-consider-solar-orientation-of-the-block/#post-4584392 Tue, 18 Mar 2008 09:08:47 +0000 thanks. Glad to hear it does make sense.

]]> ef98d899bd63fb5071401b0aa62d1c0d https://www.propertyinvesting.com/topic/4392444-huntfield-heights-sa-any-experiences/#post-4583375 Fri, 14 Mar 2008 09:00:32 +0000 Mikey, since we both agree that Adelaide is a good place to invest. (im from Perth). Do you know much about town planning in SA? In WA we have an R-code system with specific densities attached. From what ive heard Adelaide is a bit more flexible. Could you shed some light?

]]> 0aac96bba2f41b35d72ec4708bf968c2 https://www.propertyinvesting.com/topic/4392444-huntfield-heights-sa-any-experiences/#post-4583372 Mon, 10 Mar 2008 13:36:22 +0000 Notorious? as in rough/high crime area? Is it comparable to say the Elizabeth area? I hear people from Adelaide that say dont invest in Elizabeth for that reason.

]]> 3816a2bd6707f822081e4035649806c6 https://www.propertyinvesting.com/topic/4392444-huntfield-heights-sa-any-experiences/#post-4583369 Wed, 27 Feb 2008 01:32:59 +0000 ok, thanks for your input KY.Im guessing you are in Adelaide. So what do you think of the areas of Hallet Cove and Christies Beach which property commentators are suggesting as top pics? or the Adelaide market in general for this year?

]]> 0e3317289e49346d2efb8a8573c147da https://www.propertyinvesting.com/topic/4392444-huntfield-heights-sa-any-experiences/#post-4583367 Tue, 26 Feb 2008 04:48:33 +0000 Its the land that appreciates in value so why wouldn't it go beyond $250k??

]]> d222422a6f3211f60ceacbb786d4a221 https://www.propertyinvesting.com/topic/4392429-is-a-loc-loan-the-right-package/#post-4583307 Sun, 24 Feb 2008 22:27:47 +0000 Hi Turbo,i started investing just over 4 years ago. We have $130k combined income. 2 investments are positively geared and the other 2 are giving me 5% rent return which im in the process of improving through renovations. All our loans are IO, even PPOR.But yes im at that stage where i want to get my loan structure right so i can scale up.

]]> 0fa90cb39335c7b5ce1bdeb1eff4c6e4 https://www.propertyinvesting.com/topic/4392429-is-a-loc-loan-the-right-package/#post-4583305 Sun, 24 Feb 2008 08:30:28 +0000 Ok, thats what i thought. So then, how does one benefit and keep investing by borrowing against equity to fund repayments on other investment debts? I know that this is only safe and works provided your portfolio continues to grow each year (otherwise you eat away your equity..)I spoke to a couple of buyers agents once, a couple of years ago and…[Read more]

]]> e1f50def690bf83da9dfaa8f0aeec24a https://www.propertyinvesting.com/topic/4392429-is-a-loc-loan-the-right-package/#post-4583303 Sun, 24 Feb 2008 06:02:17 +0000 Thanks Terry, Richard.Another quick question. Say i have a facility max approved at 335k however have only drawn down $300k, would another loan (to finance balance of purchase after using LOC funds for deposit) be assessed taking into account just the draw down amount or the full $335k even though i haven't used it yet?I hope that makes sense…

]]> 65b8a23c3586e45f7f9f1009e772ee2b https://www.propertyinvesting.com/topic/4392355-with-260k-300k-which-area-in-brisbane-would-you-recommend/page/2/#post-4582963 Sun, 24 Feb 2008 01:32:19 +0000 Congratulations Kylie, that is amazing! Im not from Brisbane but i bought in the Armadale area of Perth back in 2003. It was all i could afford at the time and i had an aunt that lived in the area so i had a look around. yes it was and still is considered 'rough' and i think it has similar social stigma or outlook that people have of the Beenleigh…[Read more]

]]> 9b3d3138eba108618676f11c61233a59 https://www.propertyinvesting.com/topic/4392429-is-a-loc-loan-the-right-package/#post-4583300 Sun, 24 Feb 2008 01:02:18 +0000 Hi TerryW,If i may pick your brain…   how about my scenario?:$250k loan owing on principal residenc, value $420k4 investment properties loan total owing $596k, value $850kI am thinking of refinancing our $250k home loan up to 80% ($336k) and having say $260k of it for personal home, and balance will be used for deposits on further investment p…[Read more]

]]> 34ec556260e8278d055e4b9172935ba8 https://www.propertyinvesting.com/topic/4392429-is-a-loc-loan-the-right-package/#post-4583298 Sat, 23 Feb 2008 06:10:02 +0000 Hi I have the same dilemma as you Paul, so i  cannot advise although im posting here while we are on the same topic. Richard, im interested to know whether you believe a LOC iis a good product for investors. Im quite conservative with my investing and very diciplined with our budget so i am on the fence on whether to use a LOC. I can see the…[Read more]

]]> 18c1496105398a25b9f2778a61c4be07 https://www.propertyinvesting.com/topic/4391906-line-of-credit-14/#post-4580452 Fri, 11 Jan 2008 05:22:51 +0000 since we are on the topic… What sort of things should one look out for with Line of credit products. what are the subtle differences?

]]> 0a9cf4ea3ff69f8bf518b79723c174c9 https://www.propertyinvesting.com/topic/4391766-taking-advantage-of-zoning-changes/#post-4579223 Thu, 10 Jan 2008 04:10:05 +0000 Also from WA here. Another thing is the rezoning can take many years to eventuate. Ive been told of a Perth council that are reveiwing their town planning scheme with proposed zone upgrades. They are yet to implement them and its been 5+ years. The process is lengthy with public advertising and referrals, and WA planning commission submission etc…[Read more]

]]> 9dc0eeaf83daf0e29b2311ecf5d26c63 https://www.propertyinvesting.com/topic/4391803-whereto-in-sydney/#post-4579472 Wed, 09 Jan 2008 03:55:42 +0000 Anyone have thoughts/opinions on Sans Souci area south of Syd. It was mentioned in Money or personal investor mag i think. A bit more affordable than areas above.

]]> 91227462075e66c063282cb465bb4b79 https://www.propertyinvesting.com/topic/4391760-contract-deposits-each-state/#post-4579195 Tue, 01 Jan 2008 06:49:57 +0000 Bob and Tools, what state? So far sounds like QLD is similar to Perth.

]]> 21bdee774561f6dc9b60b3029384609b https://www.propertyinvesting.com/topic/4391760-contract-deposits-each-state/#post-4579191 Sun, 30 Dec 2007 13:26:13 +0000 provided after signing contract for sale.

]]> ba62798dcbf3ac718cb98a78c2b8d182 https://www.propertyinvesting.com/topic/4391692-hotspotting-com-au-reports-good-investment-or-not/#post-4578821 Sun, 30 Dec 2007 05:36:38 +0000 Hi, I have purchased just one and it was over 50 pages so it is very detailed, giving economic overview of the the areas listed, growth factors, demographics, infrastructure that is in the pipeline or underway, median prices, rental yield. I have found that several of the areas listed in Terry's report do come up in the API mag however the report…[Read more]

]]>