PropertyInvesting.com | kat13 | Activity https://www.propertyinvesting.com/members/kat13/activity/ Activity feed for kat13. Sun, 12 Apr 2026 16:50:54 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 f9ed661681a39e7ab9126bcae9c2da85 kat13 replied to the topic What's One Big Thing you'd like to Accomplish in 2013? in the forum Forum Frolic https://www.propertyinvesting.com/topic/4408304-whats-one-big-thing-youd-like-to-accomplish-in-2013/page/4/#post-4682788 Fri, 27 Dec 2013 21:38:13 +0000 My 2014 goals are;

1. Lose 5 kg's
2. Survive a fulltime year of uni with 3 kids
3. Continue to research and educate myself on property investing
4. Put a plan onto paper!

]]> fed2427d3668d1a751ee6e4ed1342a59 kat13 replied to the topic Property prices still rising??? in the forum General Property https://www.propertyinvesting.com/topic/4409526-property-prices-still-rising/#post-4692182 Thu, 13 Jun 2013 02:53:06 +0000 Interesting to see, I am in Mulgrave VIC.  

An option we were seriously considering was to change our PPOR into IP and purchase another…..we seriously need to upgrade but I feel the  cost of rebuilding is worth us pursuing instead.  But that just means a delay in buying an investment property :(

]]> 77d698112ddc6324c6e24261042db40c kat13 replied to the topic PPOR to IP how to question in the forum Help Needed! https://www.propertyinvesting.com/topic/4408645-ppor-to-ip-how-to-question/#post-4685849 Wed, 06 Feb 2013 08:01:37 +0000 Nope no cash at the moment…..and I am off work for maternity leave.  My plan is to finish uni – June 2015 and then will be at work fulltime so can service any extra's in loans etc…hence why I want to do this at that time and not now.

]]> a193e35fb6c8fe3a704637ada510fcb5 kat13 replied to the topic PPOR to IP how to question in the forum Help Needed! https://www.propertyinvesting.com/topic/4408645-ppor-to-ip-how-to-question/#post-4685847 Wed, 06 Feb 2013 05:21:06 +0000 Yep Terry it has its own separate account number.

Either way – it all still sounds do-able to this point.  I am just unsure about using the 90K as a deposit for a PPOR – that would then mean we are lending 100% to buy doesn't it?  

]]> e8460781558b0e752ff92ea5db7f52f8 kat13 replied to the topic PPOR to IP how to question in the forum Help Needed! https://www.propertyinvesting.com/topic/4408645-ppor-to-ip-how-to-question/#post-4685842 Wed, 06 Feb 2013 00:48:17 +0000 Hey Jamie, we have no other debt other than the PPOR and the 90K which is sitting back into loan.  I was thinking to create another offset for the new PPOR so have two loans and two offset accounts…one for new PPOR and one for the IP?

Terry thanks for your comment, was hoping you'd post :)

Not sure if this even makes a difference – the 90K is…[Read more]

]]> 9fe82b508f489744db8884b75a17c662 kat13 replied to the topic PPOR to IP how to question in the forum Help Needed! https://www.propertyinvesting.com/topic/4408645-ppor-to-ip-how-to-question/#post-4685839 Tue, 05 Feb 2013 03:59:56 +0000 Hey Paul, thanks heaps for your reply.  

Ok so basically extra income from rent should be placed in an offset, and I assume I could use this for any repairs/maintenance/insurances etc as needed for the IP.

And then as this offset account grows, obviously the interest payments would reduce somewhat, giving the property to appreciate in capital…[Read more]

]]> 46423fef0ca1b5e3f94e381fd9114b89 kat13 replied to the topic Use of equity in PPOR to place a deposit for IP in the forum Finance https://www.propertyinvesting.com/topic/4407912-use-of-equity-in-ppor-to-place-a-deposit-for-ip/page/2/#post-4679499 Wed, 28 Nov 2012 11:55:50 +0000 Too funny, but so gross thinking about it

]]> 535c1ed8e1e86102839612e4880601fc kat13 replied to the topic Use of equity in PPOR to place a deposit for IP in the forum Finance https://www.propertyinvesting.com/topic/4407912-use-of-equity-in-ppor-to-place-a-deposit-for-ip/#post-4679488 Sat, 27 Oct 2012 02:47:12 +0000 Aaahh ok then, time to rethink a few things before I go ahead with the rest of this.

]]> 26c08c8bef788e2c495bcffd7c961719 kat13 replied to the topic Use of equity in PPOR to place a deposit for IP in the forum Finance https://www.propertyinvesting.com/topic/4407912-use-of-equity-in-ppor-to-place-a-deposit-for-ip/#post-4679486 Sat, 27 Oct 2012 02:03:11 +0000 I wasn't that alarmed because we really didn't even think about claiming the interest as we are using part of that for personal use.  A portion of that was only going to be used as a deposit towards the investment.

So for future investments, what should I be doing?  Is it best to go for the whole loan altogether where equity can contribute but I…[Read more]

]]> 694a57d5beab6b2e5e89fe2b8d5e4cc3 kat13 replied to the topic Use of equity in PPOR to place a deposit for IP in the forum Finance https://www.propertyinvesting.com/topic/4407912-use-of-equity-in-ppor-to-place-a-deposit-for-ip/#post-4679484 Sat, 27 Oct 2012 01:38:35 +0000 We pulled out the equity on our house – 90K which got paid into cash into our offset account until we were ready to get something…but we are also using 30K for personal improvements which is maybe why it was done that way????

We are currently waiting on preapproval for the rest (not sure how much we can get – but broker indicated up to 400K all…[Read more]

]]> c0aa8a59b86d013603d35532cadc33fa kat13 replied to the topic Use of equity in PPOR to place a deposit for IP in the forum Finance https://www.propertyinvesting.com/topic/4407912-use-of-equity-in-ppor-to-place-a-deposit-for-ip/#post-4679482 Fri, 26 Oct 2012 22:13:30 +0000 PLC – Its sitting in my offset account at the moment, linked to my PPOR loan – hoping that's the best option.

]]> acab3e4691a78e7ce6f893ea0eb937ce kat13 replied to the topic Worth looking at 1 bedrooms?? in the forum General Property https://www.propertyinvesting.com/topic/4407913-worth-looking-at-1-bedrooms/#post-4679514 Fri, 19 Oct 2012 11:25:49 +0000 Yeah I wasn't too keen on high rise apartment stuff, the one I have found is on a unit, ground dwelling.  The only thing is, its unit number 3 of 6 on the block and it looks as though each unit is divided by a wall, so its a common wall.  and I am not a fan of having the laundry in the bathroom – but that's my personal distaste.

]]> c52037e615e1c0fa55af2cf0b50be36c kat13 replied to the topic Use of equity in PPOR to place a deposit for IP in the forum Finance https://www.propertyinvesting.com/topic/4407912-use-of-equity-in-ppor-to-place-a-deposit-for-ip/#post-4679478 Fri, 19 Oct 2012 10:52:54 +0000 Great, so at least we are on the right track..  We have pulled out our equity in cash, so just have to find that awesome IP now.

]]> 082bc2bdbb766e2d197c38c1a2cb6e7f kat13 replied to the topic Carbon Monoxide in the forum Heads Up! https://www.propertyinvesting.com/topic/4407852-carbon-monoxide/#post-4679167 Fri, 19 Oct 2012 10:37:35 +0000 There will be a crack down in rental properties over the next decade or so, I am studying to become an environmental health officer and we are researching this currently.
If you take a look at food premises regulations, guarantee some of those items will be similar to future implementations, ie  leaking gas appliances, ventilation of property,…[Read more]

]]> 36c6ba82d84d224b6467658029277ac9 kat13 replied to the topic Self managed super fund to purchase IP in the forum Help Needed! https://www.propertyinvesting.com/topic/4407822-self-managed-super-fund-to-purchase-ip/#post-4678993 Tue, 09 Oct 2012 23:21:03 +0000 Thanks for all the info guys, will look into all of that.  Yeah I thought I should shop around first because it didn't sound too great paying $1200 a year….that's just what my accountant would charge me…god knows for what.

Esuper sounds good as I'd like to have my tax returns etc done in the same place too.

]]> be17411b2fa55bfb1fc2eda556f59933 kat13 replied to the topic Need some clarification with my loan structure in the forum Finance https://www.propertyinvesting.com/topic/4406847-need-some-clarification-with-my-loan-structure/#post-4671740 Fri, 15 Jun 2012 12:57:27 +0000 So pay extra in my current mortgage for my house I am living in and roll over the investment into another period of IO? Makes sense in a way, I was very confused about the benefits of doing IO as it seems the difference is really small between paying IO and P&I so I thought it might be better to pay P&I on the investment, that way by the time I…[Read more]

]]> 0caa1d4a3490a283e6555baa196861a2 kat13 replied to the topic Turning your own home into an investment in the forum Help Needed! https://www.propertyinvesting.com/topic/4406595-turning-your-own-home-into-an-investment/#post-4669840 Thu, 24 May 2012 10:20:36 +0000 Not sure why that happened, my account seems to be set to allow emails?? Anyhow I’ll shoot through an email to you tomorrow.

]]> feee96123af39ee66b884e9d96447c8a kat13 replied to the topic Turning your own home into an investment in the forum Help Needed! https://www.propertyinvesting.com/topic/4406595-turning-your-own-home-into-an-investment/#post-4669838 Mon, 21 May 2012 03:44:36 +0000 Interested in the spreadsheets streamlineinvesting – are you able to message me your email or something?

]]> 83b4e5dd9b1fedeb99e4f53171a84a47 kat13 replied to the topic Horsham Property? in the forum General Property https://www.propertyinvesting.com/topic/4405654-horsham-property/#post-4662304 Sun, 20 May 2012 11:33:47 +0000 I checked out some listings for Horsham as they seem to have some good returns…..but I am a little worried about the listings I have seen, they have the following listed;

This property has been inspected for white ants by Bug ‘R’ Off Pest Busters, an independent qualified pest control company using their termite detection sniffer dog, which…[Read more]

]]> a9accebeae8c101e1d798fc6a2d516dd kat13 replied to the topic A sustainable town - Port Augusta in the forum General Property https://www.propertyinvesting.com/topic/4406551-a-sustainable-town-port-augusta/#post-4669556 Sun, 20 May 2012 11:20:29 +0000 lbluedento – sounds like you may have heard some negative things about Port Augusta???

My uncle has invested there and visits regularly – but I am cautious about this as he is a property manager so I don’t want to be unnecessarily swayed.

]]> 7743680db9d3b02a4268a3695ab78b74 kat13 replied to the topic Turning your own home into an investment in the forum Help Needed! https://www.propertyinvesting.com/topic/4406595-turning-your-own-home-into-an-investment/#post-4669836 Sun, 20 May 2012 11:17:35 +0000 Hi Jamie,

My main reasons for thinking about this was so we had more room – as we are planning another baby in near future. We would save somewhat as we’d be paying less for rent and our mortgage (doing it by interest only) would be well and truly covered.

Ideally I thought this because I liked the idea that I would also be able to use the…[Read more]

]]> 985f6a8b2d3b98b2c0a58df7f5ccb43f kat13 replied to the topic A sustainable town - Port Augusta in the forum General Property https://www.propertyinvesting.com/topic/4406551-a-sustainable-town-port-augusta/#post-4669553 Tue, 15 May 2012 11:27:30 +0000 Has anyone invested there yet? Does it make a good investment choice me being here in Melbourne?

]]> 2f5b6f92ac3bbad5f70f964483c4b0a3 kat13 replied to the topic Negotiating terms with real estate agents in the forum Help Needed! https://www.propertyinvesting.com/topic/4406512-negotiating-terms-with-real-estate-agents/#post-4669206 Wed, 09 May 2012 11:30:07 +0000 Thanks Kristin!

Have been doing some heavy thinking on this one, and I really hate being pushed and hurried so although I will attend the auction I don’t think I’ll be putting in a bid at this stage.
There’s plenty of time for something else to pop up, and as they say all good things take time.

]]> 2772fa4c1fca6b215ab8589217511c67 kat13 replied to the topic Clayton or Springvale VIC investment? in the forum Help Needed! https://www.propertyinvesting.com/topic/4406543-clayton-or-springvale-vic-investment/#post-4669494 Wed, 09 May 2012 11:25:05 +0000 I’m in Mulgrave, kinda right in between those two suburbs. I think Springvale would be ok, much more affordable but I’d make sure there’s public transport around, Clayton seems to have better transport systems in place. Either one though I think you can’t really go wrong, there’s plans to develop more transport systems within Mulgrave/Rowville…[Read more]

]]> 4711cd4b246d5e49be091c713bb22ca9 kat13 replied to the topic Negotiating terms with real estate agents in the forum Help Needed! https://www.propertyinvesting.com/topic/4406512-negotiating-terms-with-real-estate-agents/#post-4669204 Sun, 06 May 2012 02:49:23 +0000 Thanks JacM, great to know I can hold some sort of control over the terms. Now I know why my broker said to offer a small deposit LOL

So its best to put expiry of offer prior to auction? So in this case the auction is Saturday, should I put Friday 5pm?

]]> 3c2f33bd3c6f48ddeee261159eb6879f kat13 replied to the topic Help for those looking to invest in the Melbourne Property market. in the forum Help Needed! https://www.propertyinvesting.com/topic/4402316-help-for-those-looking-to-invest-in-the-melbourne-property-market/#post-4638905 Fri, 04 May 2012 23:20:16 +0000 Just wondering if anyone has invested in these areas. I am looking around Noble Park North for my first investment (more so because I live in Mulgrave – so very close by). Has anyone got investments around these suburbs and any advice to share.

Seems like most of the lower half of Noble Park North (closer to Princess Hwy) is for sale whilst the…[Read more]

]]> 0d051615eacd3de969fd3474958e2dff kat13 replied to the topic Regional Vic in the forum General Property https://www.propertyinvesting.com/topic/4406368-regional-vic/#post-4667900 Sat, 21 Apr 2012 05:30:41 +0000 Funnily my dad has a holiday home in Coronet Bay (not far from Phillip Island) and reckons its the place to invest.

I have Latrobe Valley on my mind because I have heard something about it being an area of potential growth due to mining of some oils or metals there…can’t remember what it was.
But then again – thinking about Moe, Morwell and…[Read more]

]]> e61622364d7117d6a23220db48d72997 kat13 replied to the topic Recommendations of mortgage brokers in adelaide in the forum Help Needed! https://www.propertyinvesting.com/topic/4406347-recommendations-of-mortgage-brokers-in-adelaide/#post-4667704 Wed, 18 Apr 2012 23:14:18 +0000 I am actually using a broker in SA – Rise High Financial Solutions. I have found them exceptionally professional and customer service so far has been brilliant, even if it is over the phone but I have met them in person in the past.

I tried with another broker who sort of cut me off and really didn’t help me or even give me some sort of advice,…[Read more]

]]> 9e2df851fc232b3cf63a451153df42f2 kat13 replied to the topic Student Accomodation in the forum Help Needed! https://www.propertyinvesting.com/topic/4406087-student-accomodation-6/#post-4665477 Thu, 15 Mar 2012 10:34:59 +0000 I looked into this a while back too. I need to borrow to invest and I soon found out that banks are usually not willing to lend you money if it’s a student accommodation…makes perfect sense they’d be losing out from all that depreciation.

]]> a00a67f373c3cad97a99b300f52751fc kat13 replied to the topic Talk to me about using equity for 1st purchase in the forum Yep, that's what I was https://www.propertyinvesting.com/topic/4405978-talk-to-me-about-using-equity-for-1st-purchase/#post-4664554 Mon, 12 Mar 2012 10:09:40 +0000 Yep, that’s what I was told!

I am questioning it too, as your first reply said I thought the same, I’d need to be able to afford it anyway.

Think I’ll hold off for a bit, see where we are in 6-12 months time with a deposit as well.

]]> bfa81e47afad463ca0902ad51f6e3c4d kat13 replied to the topic Talk to me about using equity for 1st purchase in the forum Finance https://www.propertyinvesting.com/topic/4405978-talk-to-me-about-using-equity-for-1st-purchase/#post-4664552 Mon, 12 Mar 2012 09:36:34 +0000 Thanks for the warm welcomes, I am really enjoying reading all of the info out here.

Well my assumption on the 10K thing was simply by doing some online calculators through the ING website (who I am with for my own home). I have since spoken to a broker who believes it’s quite possible to purchase up to 400K which is quite scary for me. It’s…[Read more]

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