PropertyInvesting.com | JP888 | Activity https://www.propertyinvesting.com/members/jp888/activity/ Activity feed for JP888. Wed, 15 Apr 2026 03:04:37 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 a87880769dc2df2c71eb280c8f62d3aa JP888 replied to the topic Tax - Depreciation Clarification in the forum Thanks Jamie! https://www.propertyinvesting.com/topic/4408658-tax-depreciation-clarification/#post-4685966 Wed, 06 Feb 2013 07:54:58 +0000 Thanks Jamie!

So you don't get the full $5k as a deduction, only the benefits of dropping your taxable income by that amount.

]]> b485e569050d567d6920f141c6ec455d JP888 replied to the topic Real Estate Investment Books in the forum General Property https://www.propertyinvesting.com/topic/4407553-real-estate-investment-books/#post-4676998 Thu, 06 Sep 2012 06:38:47 +0000 Great! Cheers Derek.

]]> 08983d4a4bfe7d46e02ffda2b1925ff4 JP888 replied to the topic Loan Structuring for PPOR and IP in the forum Finance https://www.propertyinvesting.com/topic/4407379-loan-structuring-for-ppor-and-ip/page/2/#post-4675626 Tue, 21 Aug 2012 01:16:43 +0000 Thanks Derek! Much appreciated.

]]> 656fd73de1571ecfb17d7978d0104e8a JP888 replied to the topic Loan Structuring for PPOR and IP in the forum Finance https://www.propertyinvesting.com/topic/4407379-loan-structuring-for-ppor-and-ip/#post-4675621 Sun, 19 Aug 2012 01:35:10 +0000 And can anyone point me in the direction of where I can find a thorough Checklist, if you like, of all possible tax offsets/deductions related to an IP in Australia?

Cheers!

]]> baa085882376ede2dc7387ae0ab54372 JP888 replied to the topic Loan Structuring for PPOR and IP in the forum Finance https://www.propertyinvesting.com/topic/4407379-loan-structuring-for-ppor-and-ip/#post-4675620 Sun, 19 Aug 2012 00:55:15 +0000 Can anyone recommend a reputable, switched on Mortgage Broker in Perth??

]]> e03f14c182756ec327b6a9e9672109d4 JP888 replied to the topic Loan Structuring for PPOR and IP in the forum Finance https://www.propertyinvesting.com/topic/4407379-loan-structuring-for-ppor-and-ip/#post-4675618 Sat, 18 Aug 2012 23:37:44 +0000 Thanks for all of the info guys, all makes perfect sense and have a much clearer understanding now.

I'll look at restructuring it all shortly and changing my current PPOR to IO.

Is it worth having offsets attached to my IP loans? Or should I just have 1 offset attached to my current PPOR where I pool all of my money, have rent paid into from the…[Read more]

]]> 8a9e1461da344961b0851cdf60f84159 JP888 replied to the topic Loan Structuring for PPOR and IP in the forum Finance https://www.propertyinvesting.com/topic/4407379-loan-structuring-for-ppor-and-ip/#post-4675615 Sat, 18 Aug 2012 01:37:29 +0000 How should i have best financed the deposit Qlds007?

CBA financed it, like I said more info had to be provided, but it came through eventually. It was a land & construction loan, if that makes any difference.

]]> 83fc39e0adb775f983fa9c1da3aae8be JP888 replied to the topic Loan Structuring for PPOR and IP in the forum Finance https://www.propertyinvesting.com/topic/4407379-loan-structuring-for-ppor-and-ip/#post-4675613 Sat, 18 Aug 2012 00:04:51 +0000 Haha thanks very much Catalyst, I'll take all that on board! What happens exactly once you become "on the radar" smiley

]]> cc42c9eae3903446ffd421857c586f34 JP888 replied to the topic Loan Structuring for PPOR and IP in the forum Finance https://www.propertyinvesting.com/topic/4407379-loan-structuring-for-ppor-and-ip/#post-4675611 Fri, 17 Aug 2012 23:11:17 +0000 Thanks Qlds007!

I will certainly look into interest only. Is coupling that with a 100% offset common or do only select banks offer this? Also, would you keep the loans all independent of one another or consolidate the IP loans (if that is possible)?

For my IP i applied for a new loan, with a separate lender to my PPOR. I had to put down a 5%…[Read more]

]]> 870e2e3e687829e0df30740dc471af13 JP888 replied to the topic Loan Structuring for PPOR and IP in the forum Finance https://www.propertyinvesting.com/topic/4407379-loan-structuring-for-ppor-and-ip/#post-4675610 Fri, 17 Aug 2012 23:03:04 +0000 Could you elaborate on this a bit further please Terryw?

]]> 24826791b909fcb47c4f29bc9b66d74f JP888 replied to the topic Loan Structuring for PPOR and IP in the forum Finance https://www.propertyinvesting.com/topic/4407379-loan-structuring-for-ppor-and-ip/#post-4675609 Fri, 17 Aug 2012 23:01:22 +0000 Thanks PLC!

I will look into changing to interest only on the PPOR, makes sense if I believe I'll be moving on in the next year or two.

Would you keep all of your IP loans as separate loans and interest only? Also, once I settle on a longer term PPOR would you take that loan out principal and interest?

I was looking at consolidating my loans…[Read more]

]]> 3cdd356602c1f1057120ccf2d3851839 JP888 replied to the topic Loan Structuring for PPOR and IP in the forum Finance https://www.propertyinvesting.com/topic/4407379-loan-structuring-for-ppor-and-ip/#post-4675605 Fri, 17 Aug 2012 06:10:19 +0000 Cheers guys! 

I forgot to mention, although I am making Principal and Interest repayments on the PPOR, I do have an offset account attached which saves me a fair chunk of interest.

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