PropertyInvesting.com | nataliebranson | Activity https://www.propertyinvesting.com/members/nataliebranson/activity/ Activity feed for nataliebranson. Mon, 13 Apr 2026 04:37:41 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 36db4a353374f18d69d971c5e8e3f081 nataliebranson replied to the topic Low Doc Loans to 80% without LMI in the forum Finance https://www.propertyinvesting.com/topic/4397981-low-doc-loans-to-80-without-lmi/#post-4612411 Fri, 04 Dec 2009 01:52:52 +0000 True low doc loans are virtually almost gone (no financials).I know ANZ will do it at 60% no financials, will even do PAYG lo doc!But most are now requiring BAS statements for last 6-12 months.

]]> a9fcb474c68d86b73e9ba8409ce97007 nataliebranson replied to the topic Starting out. What way to go? in the forum Help Needed! https://www.propertyinvesting.com/topic/4397942-starting-out-what-way-to-go/#post-4612052 Thu, 03 Dec 2009 06:29:20 +0000 Hey Micheal,Sounds like you have a good game plan, I am on a similar path having just purchased, and intend to buy at least 1 every year for the next 20 years!My question to you, why are you planning to sell in 4 years?? You may think you are making a "profit", but you are essentially losing all the future capital growth within that property.…[Read more]

]]> 3ff4122b8c90588309de9b56daa0f081 nataliebranson replied to the topic Bank Loan Eligibility? in the forum Help Needed! https://www.propertyinvesting.com/topic/4397969-bank-loan-eligibility/#post-4612371 Thu, 03 Dec 2009 06:12:39 +0000 Hey Corey,Well, my thoughts are, to see a broker maybe as soon as you can…. At least they may be able to give you a general direction/goal for your savings, and laying down a game plan…. They will be up to date with lending policies and will therefore have an idea on where you should start (although policies are always changing).I also know…[Read more]

]]> a1254d9c9e168540a18ae1dbc4defb60 nataliebranson replied to the topic Chicken before the egg in the forum Finance https://www.propertyinvesting.com/topic/4397971-chicken-before-the-egg/#post-4612380 Thu, 03 Dec 2009 05:57:56 +0000 Dave, very inspirational….good on you for making the move here to Aus! Glad to hear you are loving life as it should be.I'd say, get a pre-approval in, to at least know a lender would consider lending you the money, then look for another property to purchase as investment.Worry about setting up a trust when you have a few more properties under…[Read more]

]]> b2c3a0a89308d2fb7cf36d31499f7045 nataliebranson replied to the topic Bank Loan Eligibility? in the forum Help Needed! https://www.propertyinvesting.com/topic/4397969-bank-loan-eligibility/#post-4612369 Thu, 03 Dec 2009 00:00:05 +0000 Morning Corey!No dramas, it is always good to get help/advice with a big decision like buying a house!Some brokers charge a brokerage fee, however some actually get paid from the bank….so they wont charge you anything. (my broker doesnt charge).Well, I said the same thing about the credit card. However, as soon as I turned 18, I applied for one…[Read more]

]]> 1fdfcfea3cbc5e7457f9274046e73322 nataliebranson replied to the topic Real Estate commission on rentals in the forum Help Needed! https://www.propertyinvesting.com/topic/4397949-real-estate-commission-on-rentals/#post-4612108 Wed, 02 Dec 2009 07:03:37 +0000 Taryn, 8.8% is quite high.Im south east VIC, and had 6% not long ago. I would negotiate with them, or look for another! Regardless of being regional, 8.8% is high.

]]> fc9cee17a33c08dc57002ae4dda4c7ae nataliebranson replied to the topic Chicken before the egg in the forum Finance https://www.propertyinvesting.com/topic/4397971-chicken-before-the-egg/#post-4612376 Wed, 02 Dec 2009 05:59:50 +0000 Dave!! Do not listen to others! I am 20yrs old, and recently purchased my first IP, despite many who told me not to buy. Or who were critical of my age and said there is no way for me to buy. If others advise against, it is probably them in other words saying they wish they had the same passion!Keep your passion going, as there is money to be made…[Read more]

]]> 65de1ba53f1bd6bbceab156b3bc06399 nataliebranson replied to the topic My First renovation property on Video in the forum Value Adding https://www.propertyinvesting.com/topic/4397622-my-first-renovation-property-on-video/#post-4610699 Wed, 02 Dec 2009 05:33:44 +0000 Joel – fantastic video, my roommate and I just purchased first IP not long ago. Next venture, to buy, reno and sell, make a quick profit and generate some cash flow.We both watched your video, and got a whole lot more motivated again! I am sure many appreciated your upload onto youtube, how great! Did you do alot of research prior? Eg. Location,…[Read more]

]]> be1151c4dc28c4d62482b63100f8034e nataliebranson replied to the topic Bank Loan Eligibility? in the forum Help Needed! https://www.propertyinvesting.com/topic/4397969-bank-loan-eligibility/#post-4612367 Wed, 02 Dec 2009 05:19:11 +0000 Hey Corey,Id suggest to see a broker….Also, if utilising FHOG, you will need to live in it for 6 months within the first 12 months of purchasing. I dont think fhog is available for straight out investment properties, pretty sure you have to live in it for at least 6 months. 20% will be good to put towards, however if you want to avoid the…[Read more]

]]> 93a4f8e37f858d80f20126f34e440045 nataliebranson replied to the topic RBA Ups Rates Again - Your kidding!! in the forum General Property https://www.propertyinvesting.com/topic/4397959-rba-ups-rates-again-your-kidding/#post-4612315 Wed, 02 Dec 2009 04:57:41 +0000 Wolf!! Thanks for your humour in a time like this! Your words of wisdom has consoled me, I feel a whole weight lifted  from my shoulders! Wait a second, no…when then .45% increase hits again, the weight will be reinforced!!Some breathing space would be nice, damn RBA and damn the big 4! Is it really the first time in history the RBA has gone r…[Read more]

]]> 39d83bf014a362c6fa7de2a73fef3046 nataliebranson replied to the topic Fixed Or Variable, that is the question in the forum Finance https://www.propertyinvesting.com/topic/4397921-fixed-or-variable-that-is-the-question/#post-4611967 Wed, 02 Dec 2009 04:12:41 +0000 I'd say stick out with variable for next 6-12 months, test the waters…. and maybe look at fixing later on when this rogue rate increasing stops from RBA.

]]> fbf377e4c12b18865cc9ba18cb2e3b91 nataliebranson replied to the topic Fixed Or Variable, that is the question in the forum Finance https://www.propertyinvesting.com/topic/4397921-fixed-or-variable-that-is-the-question/#post-4611966 Wed, 02 Dec 2009 04:11:32 +0000 I would probably think it isnt the best decision to fix right now.Most people are getting scared of the rate rises, and majority will now look at fixing….the banks of course, are always two steps ahead…and will adjust fixed rates according to the market trends….So, in saying that….if most people will now start fixing, what do you think the…[Read more]

]]> bfd927ab097c37ba7d22b4d8d13368dc nataliebranson replied to the topic Bank Direct of Broker in the forum Finance https://www.propertyinvesting.com/topic/4397958-bank-direct-of-broker/#post-4612302 Wed, 02 Dec 2009 03:10:04 +0000 Hey Denis,Quick peice of advice;We go to doctors for specialised medical advice, right?We go to solictors for specialised legal advice, right?We should go to brokers for specialised financial advice…As Richard said, say you walk into a bank direct, they arent exactly going to refer you to another bank with a much better suited product for…[Read more]

]]> ab2c5b7397175dd51f5f06ac7a895500 nataliebranson replied to the topic Wholesale suppliers in Melbourne? in the forum Value Adding https://www.propertyinvesting.com/topic/4397682-wholesale-suppliers-in-melbourne/#post-4611019 Wed, 11 Nov 2009 07:11:56 +0000 Thanks guys, all your feedback is appreciated. I am sure I will put all your comments to good use. Thank you again!

]]> 5ce2fa179980aca0cf212a225691f6c5 nataliebranson replied to the topic Renovation of IP and valuation in the forum Good to have a renovating https://www.propertyinvesting.com/topic/4397507-renovation-of-ip-and-valuation/#post-4610234 Mon, 02 Nov 2009 10:10:23 +0000 Good to have a renovating team ready to go;

Valuer (estimated value at time of completion, post reno)
Builder
Architect (to check over the builder)
Financier (finance ready!)

Crucial advisers to have ready. No guesswork with renos, you guess, you may lose. You would rather do your research… buy wholesale, get some expert opinions. If you…[Read more]

]]> efbeeda136393dcec089f57e9f2b93d7 nataliebranson replied to the topic Townhouse or Unit?? in the forum General Property https://www.propertyinvesting.com/topic/4397464-townhouse-or-unit/#post-4610056 Mon, 12 Oct 2009 07:28:05 +0000 Of course!! You are going about it the right way, researching and getting opinions.I dont think you can go wrong inner city, generally attracts the higher rental returns. The fees wont really be too much of an issue, dependent of course on the loan amount you take out vs the rent coming in. (positive/negative gearing) I am also looking at inner…[Read more]

]]> 1db83c62b790915aa9f7a8c8e13fac98 nataliebranson replied to the topic Extra Repayments with Redraw (Basic HomeLoan) vs Variable with Offset in the forum Finance https://www.propertyinvesting.com/topic/4397488-extra-repayments-with-redraw-basic-homeloan-vs-variable-with-offset/#post-4610142 Mon, 12 Oct 2009 07:20:25 +0000 Terry,Are you asking the question to through another spanner in the works, or do you know the answers to that sort of question?What are the tax implications, if Nit was to go with either option…?

]]> 6d7edcb5f2f3f52e8b4c77b46e7e9d8a nataliebranson replied to the topic Today Tonight Story Regarding Ben Gough in the forum Hi K, I appreciate your https://www.propertyinvesting.com/topic/4397420-today-tonight-story-regarding-ben-gough/#post-4609901 Fri, 09 Oct 2009 05:26:32 +0000 Hi K,I appreciate your response there, and in complete agreeance. Dont get me wrong, I am not naive at all when it comes to managing properties by oneself. Many variables coming into play which can make the managing it yourself side very difficult.I guess I am lucky enough to have good tenants. The more properties I acquire, I guess I will learn…[Read more]

]]> 283f83f8042452f24810bffd06a70783 nataliebranson replied to the topic Townhouse or Unit?? in the forum Hi K, 1 bedder, inner city https://www.propertyinvesting.com/topic/4397464-townhouse-or-unit/#post-4610054 Fri, 09 Oct 2009 05:13:51 +0000 Hi K,1 bedder, inner city is certainly in demand, rental shortages are on the increase. No matter what you purchase, it should get snapped up fairly quickly.I think you cant go wrong inner city 1 bedroom (ensuring it has a decent sized bedroom). No niche markets with this purchase, you will attract a large number of tenants, whether it be a…[Read more]

]]> 1d723ddb91f2e65cd668a5084a80961a nataliebranson replied to the topic Financial Advice in the forum Finance https://www.propertyinvesting.com/topic/4397246-financial-advice-6/#post-4609061 Tue, 06 Oct 2009 07:25:18 +0000 I may take your advice on as well Pos, regarding someone who actually talks the talk. Good to know he has built his own healthy portfolio and has a full understanding of how to plan.When going for advice from a professional, you would like them to have the results you want to obtain yourself. So im assuming this Navra guy would be a good person to…[Read more]

]]> 3b380c3ecf1ac41636568112819206c4 nataliebranson replied to the topic Australia ranks highest in least affordable housing list in the world!!! in the forum General Property https://www.propertyinvesting.com/topic/4397436-australia-ranks-highest-in-least-affordable-housing-list-in-the-world/#post-4609960 Mon, 05 Oct 2009 12:11:26 +0000 On the Least afforable list and I think we are the highest paying tax country as well….?In singapore, apparantly they have a flat tax rate of 10%, everyone pays the 10% and thats it….therefore no need for accountants and many other professions..

]]> af71a1ee59117d600ed6b20252e64fb0 nataliebranson replied to the topic FHOG in the forum General Property https://www.propertyinvesting.com/topic/4397441-fhog-17/#post-4609971 Mon, 05 Oct 2009 12:05:49 +0000 FHOG + K.rudd bonus = property price increaseFHOG decrease = property price decreaseThis would be the general gyst of it right?

]]> 45105ade850d1d8dbd9407472c6a450e nataliebranson replied to the topic Next Step? Mentor, Planner, Accountant? in the forum General Property https://www.propertyinvesting.com/topic/4397417-next-step-mentor-planner-accountant/#post-4609884 Mon, 05 Oct 2009 12:04:11 +0000 Hi PQ,Good on you… you have seemed to fluke it reasonably well considering 1ppor and 4 ips…All I can suggest is to knowledge up yourself as opposed to relying on other so called professionals. Read books, watch investing seminars – the program by Henry Kaye is quite inspirational, anything investor/property related that you can get your hands…[Read more]

]]> d63cf4d26a7d3c1bf4b1fc22ee06b096 nataliebranson replied to the topic Today Tonight Story Regarding Ben Gough in the forum General Property https://www.propertyinvesting.com/topic/4397420-today-tonight-story-regarding-ben-gough/#post-4609899 Mon, 05 Oct 2009 11:52:11 +0000 All you need to do is be diligent, know the market and sell it yourself.Honestly, im 20 years old with my first property and managing it myself.Forget agents, property managers etc etc, hence avoiding these hefty ludicrous fee's by the agents. They charge thousands of dollars, to do something that you can do yourself?…Unless of course you are…[Read more]

]]> 639e6f5512c250f00b26c907174edf8d nataliebranson replied to the topic Which Bank in the forum Finance https://www.propertyinvesting.com/topic/4397396-which-bank-6/#post-4609830 Sun, 04 Oct 2009 01:07:49 +0000 Advantage package is quite good;Saving of fees, percentage discount on rate, and you can also get that discounted rate for the first year.There is the annual fee of $395, you can have up to 5 loans for the one annual fee, which is great….the more properties you acquire, the cheaper it becomes in fees.I am not sure about their calculations though…[Read more]

]]> 4fef1c232c51242582c80189b608cc60 nataliebranson replied to the topic CBA chief vows not gouge interest rates. hmmm in the forum General Property https://www.propertyinvesting.com/topic/4397403-cba-chief-vows-not-gouge-interest-rates-hmmm/#post-4609842 Sun, 04 Oct 2009 00:18:06 +0000 Thanks for sharing that Daniel….seemed to be an interesting read.I have recently purchased, and with CBA…..so I guess I have to read up on articles such as this!Well, I am glad to know that CBA are not lacking in funds…..which should hopefully keep the rates at a somewhat stable level? So by what the article has written, the CEO has stated…[Read more]

]]> 855cf04b94092c89494038ee434de3c8 nataliebranson replied to the topic Financial Advice in the forum Finance https://www.propertyinvesting.com/topic/4397246-financial-advice-6/#post-4609058 Sat, 03 Oct 2009 23:32:31 +0000 Cory, I dont know any in Perth, I use a great one here in south east Melbourne. Which isnt much help to you.All I can suggest, is to interview them…..Look around, find a couple, go in there and probe them with questions, as you would interviewing an employee. We can always be wary of who to trust, but as long as you meet up, ask them questions,…[Read more]

]]> d9c01c05c2e05621cec605e847bc09cf nataliebranson replied to the topic Can I use my family home to buy an IP in the forum Finance https://www.propertyinvesting.com/topic/4397145-can-i-use-my-family-home-to-buy-an-ip/#post-4608650 Sat, 03 Oct 2009 23:28:41 +0000 Hi Luvmud,My thoughts – Is to use as much of your own equity as possible to buy IPs. If you can utilise as much of the equity you have available (dependent of course, on max borrowing power & servicibility of the loans), then go ahead.If you are doing considerably well in your area, and you know your local market trends, then that is a great…[Read more]

]]> 7f4dfac53cb7926641567b66e46dce82 nataliebranson replied to the topic Which Bank in the forum Finance https://www.propertyinvesting.com/topic/4397396-which-bank-6/#post-4609828 Sat, 03 Oct 2009 12:09:59 +0000 St.George also have a fairly decent product at the moment, with their spring campaign.
4.66% for first year, reverts to percentage discount after year one off SVR. The $395 annual fee, being the only hindrance..
However at least it eliminates establishment fee, and account keeping fees etc if you want to attach an offset account..

Denis, to be…[Read more]

]]> 1486d11eaf1316b0b6174a09618a0dbe nataliebranson replied to the topic Which Bank in the forum Finance https://www.propertyinvesting.com/topic/4397396-which-bank-6/#post-4609827 Sat, 03 Oct 2009 12:03:50 +0000 Denis,

I am definitely on the same wave length as you, to acquire first property and purchase at least 1 every year. That is my exact goals, however hopefully trying to get more then just 1 per year!

I have just purchased, and settled last week, with CBA. My deal was fairly complicated, however we managed to pull it all through. There would…[Read more]

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