Terry makes a number of good points.

We have seen dozens of borrowers who are unable to service for a new investment loan take a small equity loan on their own home / IP and invest in one of our Mortgage Trusts where they can get a Gross of Return of upto 9.09% Fixed with interest paid monthly.

They invest in the name of the lowest Taxpayer and…[Read more]

what is your opinion on the professional LMI exemption schemes/first home owner grants

If you can avoid it do so as long as the prevailing package doesn’t end up costing you more in the long run.

is there a way to utilise either/both of these whilst still implementing a trust structure?

No

If not, is there any value in purchasing in my own…

[Read more]

If you can avoid it do so as long as the prevailing package doesn’t end up costing you more in the long run.

is there a way to utilise either/both of these whilst still implementing a trust structure?

No

If not, is there any value in purchasing in my own name to utilise the above schemes then transfer ownership to trust?

No as you will…

[Read more]

If you can avoid it do so as long as the prevailing package doesn’t end up costing you more in the long run.

is there a way to utilise either/both of these whilst still implementing a trust structure?

If you can avoid it do so as long as the prevailing package doesn’t end up costing you more in the long run.

is there a way to utilise either/both of these whilst still implementing a trust structure?

is there a way to utilise either/both of these whilst still implementing a trust structure?

We do a lot of Expat / Foreign National loans and most lenders wherever they are based ask for a copy of a credit search in your Country of origin.

Not disclosure on an application form is actually Mortgage fraud so upto you whether you want to go this route.

Cheers

Yours in Finance

Hi Jcam

Probably going to need 2 Years Tax UK Returns for a lender in Australia to accept the income for servicing.

Cheers

Yours in Finance

Hi Ozboy

Yes if you can strata the property now your finance options will increase however in saying that 3 units on a single title with a view to strata post completion is still very doable.

Cheers

Yours in Finance

Hi Gavin

No hate to say as most Installment contracts are for coded loans you will need something that meets the requirements of the NCCP legislation. We use FinPower software but is probably too expensive if you only have < 10 deals.

I am sure Loan Alert does it might just not be updated with the changing legislation.

Cheers

Yours in Finance

Hi Cheryl

Welcome to the forum and hope you enjoy your time with us.

This is a property forum so you might not get too many fans of shares and the stock market post.

Whilst a lot of us have shares in our portfolios the majority of us built our wealth thru property.

Cheers

Yours in Finance

Sitbon

Feel free to shout me an email and me happy to send you my API interview on how i build a $26M unencumbered property portfolio by the age of 40 generating over $1M / annum rent.

Since then with a variety of other strategies it is now over $40M.

Cheers

Yours in Finance

Hi Ethan

Can you clarify what your question is ?

Personally i have no idea.

Cheers

Yours in Finance

Amanda valuation now and valuation in April 2018 could be a mile apart.

I think you will find it difficult to sell something which has is supposed to be under market value.

Personally if i was the investor i would be running for the hills as there are plenty of unit bargains around which can purchased today well under market…[Read more]

Hi Case

OK cheers for the additional information.

Equity part of the equation appears Ok but construction amount will depend on potential rental yield.

Probably going to need a little bit more information (number of dependants, any personal loans etc) to give you an exact answer.

Course in saying this would probably act quicker than later on…[Read more]

Hi Case

Normally we would suggest a client access 20% deposit on the land and estimated construction amount from their own equity (obviously if this is not available you may still be able to go to 90% lvr) and then finance the balance of land and construction using the duplex as sole security.

No benefit at all in cross collateralising the 2…[Read more]

Hi EW

We have our own Retail AFSL and operate a Pooled Mortgage Fund via our Company Australian Secure Capital Fund Ltd of which I am one of the 3 Directors. Current FOM is around $52M and growing weekly.

Been in the Private lending business since 1997 and done all-right for myself.

At the moment we have more good quality deals than we have…[Read more]

Hi EW

We have our own Retail AFSL and operate a Pooled Mortgage Fund via our Company Australian Secure Capital Fund Ltd of which I am one of the 3 Directors. Current FOM is around $52M and growing weekly.

Been in the Private lending business since 1997 and done all-right for myself.

At the moment we have more good quality deals than we have…[Read more]

Hate to say this is an Australian based property website so you are not going too many responses.

Cheers

Yours in Finance

Hi Maxj

Not every lender assesses a loan using the recommended sensitised interest rate of 7.25% so there are still plenty of options left subject to how you have your existing loans structured.

Of course it is difficult to provide actual advice without a full assessment of your own situation but just because you get told it can’t be done by one…[Read more]