Hi PE,We currently have a great loan for Investors which is a 3.99% repayment for 2years …. and this can be carefully rollover again for a longer term.  The rest of the interest (at a competitive rate) is simply capitalised into the loan.  It means that the capitalisation over the 2 yrs is about 7% …. You will need equity in your property t…[Read more]

I'd also be available to help George if you are looking for a third opinion.  I'm a Broker in Brisbane and have clients across Australia thru a branch network in most states.We are working with a lot of investors with a 3.99% repayment loan for 2 yrs.  With the remaining interest capitalising.  Need more info though.CheersJohnmaxxi@myself.com

Cheers Richard<br /:-)” title=”>:-)” class=”bbcode_smiley” />

Lyndon,You can do the Cert IV in Finacial Services in-line for as little as $600 … more if you require tutoring.  One I can recommend is the National Finace Institute …. Peter Heinrich is very well known in the educationcircles for finance training both in Oz and the UK.Membership of the MFAA is about $400 … currently you are required to do…[Read more]

Guys …. No need to argue …..You are both correct and talking about the same thing.  The concept is designed for budding home buyers who would like to get into the property market.  The Adelaide Bank EFM product is one of the most popular …. in this case the property title is placed in your name.  The bottom line is that it gets you  into the…[Read more]

Congrats on the marriage NewGen! Glenelg North is a great spot …. I use to live in Adelaide too!  But…opted for Sunny Qld now!!!Yes… it's important to strike a balance on wealth creation and lifestyle.  Firstly, you should congratulate yourselvesfor what you have achieved so far.  You've done a great job!It is possible to get 100% or gr…[Read more]

Hi Dudleydog,When purchasing land, usually you can only borrow up to 80% against itself… therefore your deposit requried from the home loan will be 20% plus costs (S/Duty, conveyancing & purchase costs, mortgage costs etc). Once you finalise your building contract, provided you have a sufficient serviceable income, you can then increase the loan…[Read more]

Hi NewGen,Further Investigation of your position would be required eg how much you owe on the PPoR.  The main thing I can suggest is to not get to emotional regarding the new PPoR as it is easy to over capitalise.  There are many strategies to follow when investing in property… which are for you are dependant upon your goals.  Many investors th…[Read more]