PropertyInvesting.com | kaiseriqbal | Activity https://www.propertyinvesting.com/members/kaiseriqbal/activity/ Activity feed for kaiseriqbal. Tue, 14 Apr 2026 07:43:02 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 6743607d6816b6a6bd680bc994003b68 kaiseriqbal replied to the topic offset vs term deposit??? in the forum Creative Investing https://www.propertyinvesting.com/topic/4401606-offset-vs-term-deposit/#post-4634641 Tue, 26 Oct 2010 01:33:24 +0000 isn't tax irrelevant when comparing the two. If he takes money out of his offset account which is linked to an investment property, the interest expense will be higher and his tax benefit (tax shield) will be lower. If that 50K was put into a TD, then he would have to pay tax on the interest.So the important thing here is the rates between the…[Read more]

]]> 571c15f51fae66dbc24819164d1d4400 kaiseriqbal replied to the topic Mortgage broker commission and trailing fees rebate in the forum Opinionated! https://www.propertyinvesting.com/topic/4395485-mortgage-broker-commission-and-trailing-fees-rebate/page/5/#post-4599644 Wed, 22 Sep 2010 09:36:04 +0000 I was thinking of refinancing my mortgage to the Heritage Building Society 3 year fixed rate of 6.75%.

From what I can see on the Mates Rates Mortgages website (http://matesratesmortgages.com.au/mortgage-lenders/mortgage-broker-commissions), Heritage gives the following commissions to its brokers:

Upfront Commission: 0.605% inc GST (0.55% exc…[Read more]

]]> 1c70ae3ed342c98cb14ddfdd4683ad04 kaiseriqbal replied to the topic Help, please in the forum Finance https://www.propertyinvesting.com/topic/4397212-help-please-18/#post-4608896 Thu, 17 Sep 2009 04:33:04 +0000 If you want to keep both houses, wouldnt it be better to rent your current PPOR out and rent out yourself at a much cheaper rate.Rent your current PPOR as a permanent rental, which means you will not need the 30K for furniture and move to a smaller unit which will have significantly cheaper rent.However as others have said, I would probably sell…[Read more]

]]> 1392a4eb74827b61167cefdb5ab4a81e kaiseriqbal replied to the topic Property Investment Group- Trust Structure in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4397216-property-investment-group-trust-structure/#post-4608926 Tue, 15 Sep 2009 04:27:23 +0000 Thanks for the replies.Land tax is a big expense for many Sydney investment property owners as there are many propertiesIP's which have a land value greater than $380,000.With regards to asset protection, as both you and Terry have pointed out, this structure will not provide much asset protection but I think is the cheapest way to own an IP with…[Read more]

]]> eec606f04286a7a6cb94d05532c56a25 kaiseriqbal replied to the topic Property Investment Group- Trust Structure in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4397216-property-investment-group-trust-structure/#post-4608923 Mon, 14 Sep 2009 09:16:17 +0000 Thanks Terry,

Thats what my manager told me as well. He said the accounting/tax side of it was fine but the banks will kick up a stink with this structure.

I was shying away from a Discretionary trust due to it not receiving the Land Tax threshold of $380,000 in NSW which is quite a fair bit at $6460 (380K*1.7%).

]]> 6bd044a9c695b4dc98c0a8244bf8ab5c kaiseriqbal replied to the topic Duplex Builders Recommendation in the forum Creative Investing https://www.propertyinvesting.com/topic/4396925-duplex-builders-recommendation/#post-4607546 Sat, 12 Sep 2009 02:07:49 +0000 Regarding Duplex builders, I advise you not to go with Eagle Homes as we have had a lot of trouble with them.On face value they seem very cheap but will not provide anywhere near the service or support that other builders provide.

]]> f63480da75af94513700d8155f62953f kaiseriqbal replied to the topic Im 20, full time uni student and got 3 years till i graduate. Any ways i can go into investing right now without much income? in the forum Help Needed! https://www.propertyinvesting.com/topic/4395634-im-20-full-time-uni-student-and-got-3-years-till-i-graduate-any-ways-i-can-go-into-investing-right-now-without-much-income/#post-4600634 Tue, 10 Mar 2009 07:08:55 +0000 Thanks for the advice,

Im quite sure I wont get a loan from CBA.

So based on my situation, what is the most cost effective thing to do, considering the break fee for the loan is $700.00 and interest rate I pay is 5.06% and would you have any lenders or loan products in mind.

Thanks and Cheers,

Mohammad

]]> 96ac8af6037fad1e37ad7f5a740c6514 kaiseriqbal replied to the topic Im 20, full time uni student and got 3 years till i graduate. Any ways i can go into investing right now without much income? in the forum Help Needed! https://www.propertyinvesting.com/topic/4395634-im-20-full-time-uni-student-and-got-3-years-till-i-graduate-any-ways-i-can-go-into-investing-right-now-without-much-income/#post-4600632 Mon, 09 Mar 2009 23:50:44 +0000 I am in a similar boat, being 19 (turning 20 in August) and have been working full time for a year and a half.

I bought an investment property last year and am looking for another one to buy.

I was particularly interested in Display homes and I have found three which I like since they are at market price and are positively geared.

Well my…[Read more]

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