https://www.propertyinvesting.com/members/jrr/activity/ Activity feed for JRr. Tue, 14 Apr 2026 21:21:44 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 48b943483219620e8388ecbfab8ee918 https://www.propertyinvesting.com/topic/4394702-macquarie-interest-rateschanges/#post-4595529 Tue, 11 Nov 2008 13:25:30 +0000 I noticed recently that banks took a few weeks to lower their home loan interest rates after RBA announced interest rate cut (but it didn't take them long to lower interest rates they give on various savings and term deposit accounts).   Is this something that they do to "delay" the rate reduction so they can bank in additional profits?  Doesn't t…[Read more]

]]> f313a09374e87a3b05ff72a76f533bba https://www.propertyinvesting.com/topic/4394005-extra-repayments-to-ip-loan/#post-4591781 Fri, 15 Aug 2008 07:13:39 +0000 imugli made a good point, if you pay off loan balance (ie. building equity) in the investment loan account, when it comes time to redraw to buy PPOR, the "future" mortgage interest on that same portion of the investment loan is no longer tax deductible, in the eyes of the ATO.  So if you plan to buy a place to live in over medium term, then probab…[Read more]

]]> d6211aee87319acba062ce997818f68d https://www.propertyinvesting.com/topic/4394005-extra-repayments-to-ip-loan/#post-4591777 Fri, 15 Aug 2008 02:14:28 +0000 Completely agree.  May be I was too fast to assume Kyla's "situation", so I am sorry there as I do respect people to put options out of the table.As for different situations, we are actually doing the complete opposite to what I suggested to Kyla.  But that's because our situation is very different (at least we think it is, better not assume agai…[Read more]

]]> 4007961a29881a91b62c54d9d3902b20 https://www.propertyinvesting.com/topic/4394005-extra-repayments-to-ip-loan/#post-4591775 Fri, 15 Aug 2008 00:29:56 +0000 pls don't take this the wrong way as i am genuinely asking a question here.  in the situation that kyla raised, is strategy to negative gear even make sense?  putting aside other factors like capital growth, depreciation, etc., if i have $10k extra cash, then i would pay off the mortgage rather than do anything else with the money (of course, it…[Read more]

]]> 24c5c858f84d4298d76bee6ed0ad464d https://www.propertyinvesting.com/topic/4394005-extra-repayments-to-ip-loan/#post-4591772 Thu, 14 Aug 2008 22:14:05 +0000 i'd pay off the loan if interest earned in a bank desposit is going to be taxable at resident's tax rate.  why pay bank mortgage interest when you don't have to?   Set aside some emergency funds (in a high interest bank account like BankWest Telenet) to last you 3-6 months, but anything over and above that, you should try to pay off your loan as…[Read more]

]]> b5e27a88eba98038c1a4c3643369e01f https://www.propertyinvesting.com/topic/4393910-interest-rates-will-fall/page/5/#post-4591308 Wed, 13 Aug 2008 12:14:11 +0000 I find it strange that the Government would be asking that banks, which are for-profit organizations, lower its interest rates charged to their customers.  Should we landlords lower rent because interest rates come down?  Of course not (at least I think so), unless we have to.  People are borrowing money from institutions whose sole interes…[Read more]

]]> bc07c5c1ccfd70cc4f90bded04e5e6ca https://www.propertyinvesting.com/topic/4393989-downside-to-lo-doc/#post-4591740 Wed, 13 Aug 2008 11:14:53 +0000 ok, thanks for the input.  i will just tell the guy we want to do full-doc.

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