PropertyInvesting.com | james237 | Activity https://www.propertyinvesting.com/members/james237/activity/ Activity feed for james237. Wed, 15 Apr 2026 02:33:17 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 dd07c6d594e25f12b23b1766ba095456 james237 replied to the topic Minimum Repayment Q in the forum Help Needed! https://www.propertyinvesting.com/topic/4398907-minimum-repayment-q/#post-4617889 Fri, 26 Feb 2010 07:43:32 +0000 So what do you advise your clients to do once their IO loan reverts to P&I after the 5 years or so are up? I understand there's a good chance the IO loan can be extended, but what if the bank decides they are no longer eligible? It'll revert to P&I…so surely it makes sense to understand the potential risk that might be involved with that…[Read more]

]]> 0d506232859d7f21ea2000fcdda32ad6 james237 replied to the topic Minimum Repayment Q in the forum Help Needed! https://www.propertyinvesting.com/topic/4398907-minimum-repayment-q/#post-4617887 Fri, 26 Feb 2010 04:38:02 +0000 Thanks for replying.I understand the cash flow benefits of IO over P&I.I do think I will be able to find a loan with an offset account that reduces monthly repayments, which is great.The reason I'm concerned is that frankly I'm not sure about my employment status, so having the ability to keep repayments low is very attractive. I do have…[Read more]

]]> a52d066fc601f7524378d9bab8ca7a11 james237 replied to the topic Minimum Repayment Q in the forum Help Needed! https://www.propertyinvesting.com/topic/4398907-minimum-repayment-q/#post-4617885 Fri, 26 Feb 2010 03:03:44 +0000 As often the case my very next search after posting this yielded some answers…It seems that certain offset accounts allow monthly repayments to be reduced while others reduce the principal and the loan term and eligibility may depend on whether the property is PPOR or investment.Wish the lenders would be clearer about this.Sorry for the waste of space :-)

]]> 2d1ee4ee928bbfe55e4d06fefc8e9e38 james237 replied to the topic What would you do with 300K? in the forum General Property https://www.propertyinvesting.com/topic/4395564-what-would-you-do-with-300k/#post-4600154 Tue, 03 Mar 2009 22:59:11 +0000 Thanks both – I really appreciate your thoughts and suggestions. It seems we're roughly on the right path, we just need to figure out what we believe is a fair price and of course actually find a PPOR we're happy to eventually own.

ummester wrote:
I don't think anyone can judge the bottom perfectly. I will buy when I feel like I am getting a good…[Read more]

]]> ef08d76263de74286bbd51a0e4deb0b5 james237 replied to the topic What would you do with 300K? in the forum General Property https://www.propertyinvesting.com/topic/4395564-what-would-you-do-with-300k/#post-4600151 Mon, 02 Mar 2009 23:06:47 +0000 …and then at the end of the year what strategy would you suggest? Presumably assuming the market has slowed or fallen 5-10%?

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