PropertyInvesting.com | julito | Activity https://www.propertyinvesting.com/members/julito/activity/ Activity feed for julito. Fri, 17 Apr 2026 09:21:21 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 224a5e6e87c47d4402d26db5755672e9 julito replied to the topic FREE Residex Property Reports for VICTORIAN, TASMANIAN, and SOUTH AUSTRALIAN properties - Investment or Owner Occupied in the forum Thank you Mike, Very useful https://www.propertyinvesting.com/topic/4396010-free-residex-property-reports-for-victorian-tasmanian-and-south-australian-properties-investment-or-owner-occupied/page/14/#post-4602765 Thu, 18 Nov 2010 12:54:27 +0000 Thank you Mike, Very useful reports. and you are a good man.Appreciate it.I'll keep in mind your service for future financing need.

]]> 7a73c4476994605282dce5bfc71bd384 julito replied to the topic Taking equity from current PPOR for buying IP in the forum Finance https://www.propertyinvesting.com/topic/4396650-taking-equity-from-current-ppor-for-buying-ip/page/2/#post-4606141 Tue, 18 Aug 2009 10:41:44 +0000 Thanks Michael and Terryw, I’ll try to ask and see if there is any way I can escape.

]]> 202a4896c4fa47e9edb7be4c764a7394 julito replied to the topic Taking equity from current PPOR for buying IP in the forum I further query the loan https://www.propertyinvesting.com/topic/4396650-taking-equity-from-current-ppor-for-buying-ip/page/2/#post-4606138 Mon, 17 Aug 2009 02:15:06 +0000 I further query the loan provider, they have additional Mortgage Insurance policy adjustment fee $670 for the top-up on top of that $1300, even thou in the end the total amount of the loan (existing+top-up) is not over 80% of the valuation.I did pay my LMI when I took the original loan, but my logic says when the loan is less than 80% of the…[Read more]

]]> f3280bf9ddee8217ca7c56cf4ea3ad7c julito replied to the topic Taking equity from current PPOR for buying IP in the forum Thanks Richard  for your https://www.propertyinvesting.com/topic/4396650-taking-equity-from-current-ppor-for-buying-ip/page/2/#post-4606137 Mon, 13 Jul 2009 07:27:12 +0000 Thanks Richard  for your recommendation. I'll keep this contact detail and give them a call when I'm ready.Thanks a lot to you too Michael, you've been very helpful, surely there are a lot of thing I need to learn. And yes I'm going to start by reading Scott's book.I don't actually use excel extensively, but I think I can and should be able to…[Read more]

]]> fe27c79bee1c88ade026871bb4d0aabd julito replied to the topic High income or Low Income for Investment in the forum General Property https://www.propertyinvesting.com/topic/4396667-high-income-or-low-income-for-investment/#post-4606236 Sun, 12 Jul 2009 23:36:23 +0000 Thanks Terryw for your reply. You're absolutely right, that things may changed in the future, and what ever I decided may not be suitable for the long run. I never heard about discretionary trust, what is this and how does this actually works ?.Just out of curiosity, out of this two scenario which one is better, more tax deduction with higher CGT…[Read more]

]]> 15b9780302dea28514d03dbb6d4dcacd julito replied to the topic Taking equity from current PPOR for buying IP in the forum Finance https://www.propertyinvesting.com/topic/4396650-taking-equity-from-current-ppor-for-buying-ip/page/2/#post-4606134 Sat, 11 Jul 2009 13:00:03 +0000 Thanks Richard, I am based in Melbourne.

]]> 98a352fad4e34664fc323316faad327a julito replied to the topic Taking equity from current PPOR for buying IP in the forum Finance https://www.propertyinvesting.com/topic/4396650-taking-equity-from-current-ppor-for-buying-ip/#post-4606132 Sat, 11 Jul 2009 11:21:39 +0000 Thanks Michael and Richard, surely your discussion are very informative and have benefited me.I'll have to re-read them again and again tho, to digest them completely, as I'm not very familiar with a lot of the terms.Just to clarify my understanding about my offset account. To me I don't actually earn interest from my money/funds in my offset…[Read more]

]]> 81db80fe64135e5ed3f62c318f268a18 julito replied to the topic Taking equity from current PPOR for buying IP in the forum Finance https://www.propertyinvesting.com/topic/4396650-taking-equity-from-current-ppor-for-buying-ip/#post-4606126 Fri, 10 Jul 2009 12:32:25 +0000 Thanks Michael for your suggestion, that's very helpful for me.Now I have a checklist in my hand to watch for.I'm using http://www.ratebusters.com.au/ my rates was a bit better compared to what they have now.I think they are a brokerage firm, but they don't reveal who is the real lender to me.I paid over $2K for establishment fees :(, but with the…[Read more]

]]> ab32e4cfeb7bfa7097a20037413fc77b julito replied to the topic renting and never having a PPOR?? in the forum Creative Investing https://www.propertyinvesting.com/topic/4396644-renting-and-never-having-a-ppor/#post-4606082 Fri, 10 Jul 2009 07:33:38 +0000 Terryw wrote:
Even better, move in for 6 months initially, and then out again and have the ability to claim CGT exemption on the place as well.

Hi all, I'm learning here as well, can we still have the tax benefit with this method ? :) Thanks.

]]> a477cd86ea6e85c203729fd21b8110a4 julito replied to the topic Taking equity from current PPOR for buying IP in the forum Finance https://www.propertyinvesting.com/topic/4396650-taking-equity-from-current-ppor-for-buying-ip/#post-4606122 Fri, 10 Jul 2009 06:37:41 +0000 Thanks Richard and Michael for your reply,Richard, I may be one of those people who are rate driven and didn't see what the future like, I think this is because my lack of knowledge and understanding and also this was my first loan. However, I'm learning now.What are those other information would be ? thanks.Michael, I think my loan is quite basic…[Read more]

]]> b28db0384198dea6266a34ccaaca7255 julito replied to the topic Taking equity from current PPOR for buying IP in the forum Finance https://www.propertyinvesting.com/topic/4396650-taking-equity-from-current-ppor-for-buying-ip/#post-4606119 Fri, 10 Jul 2009 03:41:30 +0000 I've spoken to the lender. they said they can do it for $1300From what I can think of is I have two options now for this equity access without selling the PPOR.And I also have a couple of question in regards to both.1.Pay $1300 to the lender and get 80K if I borrow 80% and no LMI paid or pay LMI and borrow up to 90% or over.   I actually paid L…[Read more]

]]> 572c47079e81e74c9e42080f4a01d835 julito replied to the topic Taking equity from current PPOR for buying IP in the forum Finance https://www.propertyinvesting.com/topic/4396650-taking-equity-from-current-ppor-for-buying-ip/#post-4606118 Wed, 08 Jul 2009 10:18:44 +0000 Thanks Matt, Michael and Terryw, for the explanation, now I understand a little bit more about my situation.I'll talk again to the lender and also look around for some other option to get away from this lender.Hopefully, I found something attractive out there, may talk to some broker as well.I read someone using LOC in this forum, what is this LOC…[Read more]

]]> 311bbf3fb412acaaf4259dabd450aaae julito replied to the topic FHBG and De Facto Relationships in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4396638-fhbg-and-de-facto-relationships/#post-4606056 Tue, 07 Jul 2009 03:09:10 +0000 I am interested to know about this too, does it help if the first home title is fully under my name?.Thanks.

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