PropertyInvesting.com | kylies | Activity https://www.propertyinvesting.com/members/kylies/activity/ Activity feed for kylies. Sat, 11 Apr 2026 18:59:56 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 43ec350427a7c6626bd4b5280a9363de kylies replied to the topic Finacial advice for a novice in the forum Finance https://www.propertyinvesting.com/topic/4387965-finacial-advice-for-a-novice/#post-4560123 Thu, 11 Jan 2007 05:44:22 +0000 Hi I absolutly agree with the above, you need to obtain some independant professional advise as everyones situation is different and also regions are different.
In saying this Im not sure from an investment perspective though that selling and then re buying again into the same market is a good idea (it depends what end of the market your in) there…[Read more]

]]> 92637ac670d4caf78cc4eb9bd41167e2 kylies replied to the topic Construction loans in the forum Finance https://www.propertyinvesting.com/topic/4387907-construction-loans-2/#post-4559859 Mon, 08 Jan 2007 09:12:50 +0000 Hi there was a forum error, I only clicked it once but it added it heaps of times..it did it also on the person who posted before me

Kylie S
Mortgage Consultant & Property Investor
0412614965
mortgageconsult@bigpond.com

]]> c6e934296696ccafd5b3076e32b28bda kylies replied to the topic Construction loans in the forum Finance https://www.propertyinvesting.com/topic/4387907-construction-loans-2/#post-4559856 Mon, 08 Jan 2007 00:55:48 +0000 hi admin..i think there is something wrong with the forum..its adding more posts of the same..when only clicked add reply once

Kylie S
Mortgage Consultant & Property Investor
0412614965
mortgageconsult@bigpond.com

]]> 493c9bf456f26275ab7bc012e7f1322d kylies replied to the topic Construction loans in the forum Finance https://www.propertyinvesting.com/topic/4387907-construction-loans-2/#post-4559855 Mon, 08 Jan 2007 00:53:36 +0000 Hi before I can say what may be an option for you, please advise further info.
ie:
Whats the current market val of the land? Do you owe anything on the land?
Are you building a dual occupancy?
Are you looking for a lodoc or fulldoc? If full doc, servicibility will need to be established to cover any existing loans plus this one.
Also as mentioned…[Read more]

]]> 9bf18e6be7fae77c904007239ec4d503 kylies replied to the topic Construction loans in the forum No Subject https://www.propertyinvesting.com/topic/4387907-construction-loans-2/#post-4559854 Sun, 07 Jan 2007 23:32:19 +0000 Hi before I can say what may be an option for you, please advise further info.
ie:
Whats the current market val of the land? Do you owe anything on the land?
Are you building a dual occupancy?
Are you looking for a lodoc or fulldoc? If full doc, servicibility will need to be established to cover any existing loans plus this one.
Also as mentioned…[Read more]

]]> c9bb92717fc7f170e8d2bf0a478556ef kylies replied to the topic Construction loans in the forum Finance https://www.propertyinvesting.com/topic/4387907-construction-loans-2/#post-4559853 Sun, 07 Jan 2007 23:31:19 +0000 Hi before I can say what may be an option for you, please advise further info.
ie:
Whats the current market val of the land? Do you owe anything on the land?
Are you building a dual occupancy?
Are you looking for a lodoc or fulldoc? If full doc, servicibility will need to be established to cover any existing loans plus this one.
Also as mentioned…[Read more]

]]> fc7497e79dca17dba77615944c4757cb kylies replied to the topic Construction loans in the forum Finance https://www.propertyinvesting.com/topic/4387907-construction-loans-2/#post-4559852 Sun, 07 Jan 2007 23:30:53 +0000 Hi before I can say what may be an option for you, please advise further info.
ie:
Whats the current market val of the land? Do you owe anything on the land?
Are you building a dual occupancy?
Are you looking for a lodoc or fulldoc? If full doc, servicibility will need to be established to cover any existing loans plus this one.
Also as mentioned…[Read more]

]]> c52cb0ec7338ad8f07fe6c5e4ec0ebc5 kylies replied to the topic Construction loans in the forum Finance https://www.propertyinvesting.com/topic/4387907-construction-loans-2/#post-4559851 Sun, 07 Jan 2007 23:30:37 +0000 Hi before I can say what may be an option for you, please advise further info.
ie:
Whats the current market val of the land? Do you owe anything on the land?
Are you building a dual occupancy?
Are you looking for a lodoc or fulldoc? If full doc, servicibility will need to be established to cover any existing loans plus this one.
Also as mentioned…[Read more]

]]> 0892eba3d3b7fec5df56bbad48ec584a kylies replied to the topic What now? in the forum Help Needed! https://www.propertyinvesting.com/topic/4387890-what-now-3/#post-4559782 Sat, 06 Jan 2007 08:36:02 +0000 Hi..what was your plan when you purchased the block?
Where is the land? Is there a market for rentals?

Kylie S
Mortgage Consultant & Property Investor
0412614965
mortgageconsult@bigpond.com

]]> 7c344408a6187bb5e45da723abd4d0b1 kylies replied to the topic Portable Air-conditioners - anyone used one? in the forum No Subject https://www.propertyinvesting.com/topic/4387891-portable-air-conditioners-anyone-used-one/#post-4559787 Sat, 06 Jan 2007 05:26:50 +0000 Hi Yes I have one, they are not that crash hot..as you need to have a vent for the hot air, so we had to put it out the window..which really defeats the purpose as the hot air just comes in through the window as well as blowing the hot air back in.
The only way to do it would be to cut a whole in the wall so you could put out the vent, this is…[Read more]

]]> f64da232dc3750ea60d5b33f4c8a2f84 kylies replied to the topic CGT in the forum Help Needed! https://www.propertyinvesting.com/topic/4387888-cgt-12/#post-4559771 Sat, 06 Jan 2007 03:38:11 +0000 Hi Bridgebuff,
I agree with Elka, I believe there will be a CG event in your strategy.

Kylie S
Mortgage Consultant & Property Investor
0412614965
mortgageconsult@bigpond.com

]]> 006987e7aa94d950ab021bad7b5ce2b9 kylies replied to the topic To buy or to sell?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4387880-to-buy-or-to-sell/#post-4559719 Fri, 05 Jan 2007 10:09:40 +0000 Hi please look up CGT on the ATO website as I believe it land is always a capital gains event, when you build on it, you need to hold the dwelling as a PPOR for the specific amount of time and can claim it as your PPOR as long as it is the only one
I understood your question as being your property has just been completed…is this correct because…[Read more]

]]> 338dc154712730a8ac56163006711346 kylies replied to the topic To buy or to sell?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4387880-to-buy-or-to-sell/#post-4559717 Fri, 05 Jan 2007 07:19:51 +0000 Hi, as you havent moved into this property as yet if you sell it would be viewed as an investment and you will be liable for CGT.
I would personally keep this property and use the equity to start buying investments, then if you choose to sell later, you will reduce or eliminate your capital gains liability.

Kylie S
Mortgage Consultant & Property…[Read more]

]]> 7ff428bb5d06b2a037ffbe68985373e9 kylies replied to the topic IO & Offset or P&I? in the forum Help Needed! https://www.propertyinvesting.com/topic/4387879-io-offset-or-pi/#post-4559694 Fri, 05 Jan 2007 07:14:04 +0000 Hi as she wants to use it as an investment property in the long term it is probably best to go interest only to maintain cashflow.
She can then make additional payments if she gets a redraw or an offset with the facility.
All in all it depends on her current financial situation and what her goals are in the years to come to make an adequate…[Read more]

]]> ddc01c9917a50daa7e124a4e0bd50f91 kylies replied to the topic Who's a fantastic finance specialist? in the forum Finance https://www.propertyinvesting.com/topic/4387861-whos-a-fantastic-finance-specialist/#post-4559583 Fri, 05 Jan 2007 00:12:22 +0000 Hi everyone, just want to make a comment.
Please dont be biased in views on other peoples skills & knowledge I can appreciate towards one who has been a part of the forum for quite some time, but for those of us whom have only just found this forum (in the last week or so)
This forum is about knowledge and offering your own skills and experience…[Read more]

]]> b99f0ee140318e2164e955ef26e3f03e kylies replied to the topic How do we establish equity partners? in the forum Finance https://www.propertyinvesting.com/topic/4387815-how-do-we-establish-equity-partners/#post-4559366 Mon, 01 Jan 2007 12:14:25 +0000 Hi
You could look at the option of borrowing through developer finance. You can borrow up to 85% GRV (final value of your project) for full doc and 75% for lodoc.

For example only lodoc at 75% of the final value ie: you metioned approx 900K each , thats $1.8K, 75% of that is $1.35 which would allow:
$600K + costs for your land purchase
$600K for…[Read more]

]]> b88c61638892451afc7204fac53146a1 kylies replied to the topic should i buy and sell or buy and hold? in the forum Help Needed! https://www.propertyinvesting.com/topic/4387806-should-i-buy-and-sell-or-buy-and-hold/#post-4559311 Mon, 01 Jan 2007 01:24:32 +0000 Hi, MB means mortgage broker and nodoc means no documents required, ie: you usually dont have to show assets or liabilities and dont have to sign a stat dec on your income. However this loan is only suitable if you have the required deposit (or equity elsewhere) These loans are usually around a 70%LVR, so you need 30% from elsewhere as well as…[Read more]

]]> c4868bbf103f681bf1ba106e1a615c6a kylies replied to the topic Newbie questions in the forum General Property https://www.propertyinvesting.com/topic/4387794-newbie-questions/#post-4559254 Sun, 31 Dec 2006 02:29:02 +0000 Hi
In regards to units (if possible stay away from them) the reason is because you actually on own the space in between your walls..what appreciates is land vlaue which in turn is driven by supply & demand. With units you dont own any land.

As a FHOG, in NSW you do have to occupy it for 12 months. In regards to sub leasing a room i dont think…[Read more]

]]> 1ea484125db6f660614ac6215d70f241 kylies replied to the topic 3.99% split loan in the forum Creative Investing https://www.propertyinvesting.com/topic/4387588-3-99-split-loan/#post-4558295 Sun, 31 Dec 2006 01:36:09 +0000 hi just food for thought on this kind of product..i have done the figures on it & yes you owe more at the end but for my own properties they actually come out ahead and will allow me to hold more properties. this is due to the region my properties are in are still experiencing growth with a high rental demand.
The best thing is obviosly the…[Read more]

]]> eca174b1c18d911b8959110c54083b28 kylies replied to the topic Need help with Funding a development ! in the forum Finance https://www.propertyinvesting.com/topic/4387564-need-help-with-funding-a-development/#post-4558182 Sat, 30 Dec 2006 13:56:32 +0000 sorry thats $100 per week cash flow+ in the above scenario

]]> f5b0613d136b2097db5df8beae3f0c71 kylies replied to the topic Need help with Funding a development ! in the forum No Subject https://www.propertyinvesting.com/topic/4387564-need-help-with-funding-a-development/#post-4558181 Sat, 30 Dec 2006 13:51:45 +0000 Hi as mentioned above the option of a development loan at 75% of the project end value could be beneficial. (lodoc)
You mentioned the end val of approx 500K, therefore 75% would be around $375K which would cover any unexpected or not calculated costs like strata titile costs etc.
You pay a slightly higher interest rate…
At the end of the project…[Read more]

]]> cccf3c59cf8db9fb8c7fe701e4189871 kylies replied to the topic mortgage broker needed in the forum No Subject https://www.propertyinvesting.com/topic/4387577-mortgage-broker-needed-3/#post-4558256 Sat, 30 Dec 2006 13:42:15 +0000 Hi, its not easy to find a good broker.
It sounds like you are a property investor and therefore you need someone who understands where you are now and where you want to be to make sure it is all structured properly.
Ask them how many investment properties they have and how they structure their loans, this will give you insight into if they are a…[Read more]

]]> 30ba1b6f2fe8d0a8890b83e61d270bbf kylies replied to the topic Loan Checklist in the forum Finance https://www.propertyinvesting.com/topic/4387752-loan-checklist/#post-4559005 Sat, 30 Dec 2006 13:24:15 +0000 Hi, merry xmas to all and a happy new year.

I have found the best thing is to ask your broker what loans to they have on their own investment properties? And what they consider as the most important features.
Everyones circumstances differ, however this will give you some insight into what a professional looks for??

kind regards
kylie
Mortgage…[Read more]

]]> a08aaaeb50209e0de03fc36ac39c490a kylies replied to the topic Loan on casual employment possible? in the forum Finance https://www.propertyinvesting.com/topic/4387769-loan-on-casual-employment-possible/#post-4559117 Sat, 30 Dec 2006 13:06:35 +0000 Hi, yes you should still be able to get a loan, you just need a resourceful broker or consultant.
Depending on what your needs are now and in the future will depend on the best option for you at this time.

You mentioned you had some available equity in your own home, you could use this for your deposit amd costs (as this would probably be your…[Read more]

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