Confidential

Yes similarly is a limited offer until 16th April and has an annual fee of $300.

Not available if i am right in saying for Companies or Trusts.

Richard Taylor
Residential & Commercial Finance Broker
**Lodoc Commercial loans from 7.39%**
Licensed Financial Planner
Ph: 07 3720 1888
richard@yourstatefinance.com

Hi there feel free to email me and i will give you contact details.

Richard Taylor
Residential & Commercial Finance Broker
**Lodoc Commercial loans from 7.39%**
Licensed Financial Planner
Ph: 07 3720 1888
richard@yourstatefinance.com

Lawrence has hit the nail on the head.

Whatever form your IP investing takes on structure & funding are the most important issues. It can be extremely costly to have to unwrap a maze of X collaterised loans that your average Bank has set up for you.

Purchasing property or undergoing +cash flow techniques such as wrapping, flipping or LTO can be…[Read more]

Hi Tammy

Have posted a reponse under “Help Needed” so wont repeat it here.

For muckins benefit Tammy lives with her partner so even if she had not purchased a property before would not qulaify for the FHOG due to her defacto relationship and the amounts you quote for the FHOG are incorrect.

The FHOG is a Federal Government Grant which is…[Read more]

Hi Tammy and welcome to the forum.

I guess as you currently reside with your partner the question of whether the property would be a PPOR or an IP is irrelevant and these days the only real difference in cost is the initial stamp duty which of course varies dependant on the State you end up buying in.

If you don’t wish to utilise any of your…[Read more]

I think i am right in saying that there is Stamp Duty on an Option Contract in WA.

Check with the OSR in WA but i think it is one of the States that bought it in.

By doing a Transfer by Direction the end purchaser will still now what you paid for the property.

Richard Taylor
Residential & Commercial Finance Broker
**Lodoc Commercial loans…[Read more]

Happy to give you details if you want to shoot me an email.

Richard Taylor
Residential & Commercial Finance Broker
**Lodoc Commercial loans from 7.39%**
Licensed Financial Planner
Ph: 07 3720 1888
richard@yourstatefinance.com

Hi Louise

I think i would be talking to a broker and telling your Bank to take a hike.

Why would they won’t the properties X Collaterised ?
I now the answer but you don’t want that for your portfolio.

The other consideration is the LMI rate. If your loan with your current lender is over $300,000 then the MI rate maybe higher than it would be by…[Read more]

Adam

Nice try but regretfully not.

Wish we could have used the first valuation on a lot of our developments over the past 10 years

Richard Taylor
Residential & Commercial Finance Broker
**Lodoc Commercial loans from 7.39%**
Licensed Financial Planner
Ph: 07 3720 1888
richard@yourstatefinance.com

Hi Dianne

I hear this every day from investors all around regional Qld but i guess it is the case when prices have accelerated and rents havent yet caught up.

I have financed many properties in Gladstone and the market appears to be holding well and values certainly not falling.

To me if the property is in your opinion is a sound investment…[Read more]

GFB

Before you rush out and:
sell both IPs and pay off more of your home mortgage downsize your home, thereby reducing your personal debt
Sell one IP and reduce personal debt on home
think of the CGT implications.

If the properties are in good locations and have minimal maintainance and you beleive have good chances of further appreciation then…[Read more]

Lawrence

80% Max regretfully. Company and Trusts accepted.

Richard Taylor
Residential & Commercial Finance Broker
**Lodoc Commercial loans from 7.39%**
Licensed Financial Planner
Ph: 07 3720 1888
richard@yourstatefinance.com

See another broker.

Richard Taylor
Residential & Commercial Finance Broker
**Lodoc Commercial loans from 7.39%**
Licensed Financial Planner
Ph: 07 3720 1888
richard@yourstatefinance.com

Sharon

Don’t be so modest.
With the speed your portfolio has been increasing it is a lot more than than that.
Thought you would have least known a good mortgage broker.

Not sending my ironing down any more !!!!

Richard Taylor
Residential & Commercial Finance Broker
**Lodoc Commercial loans from 7.39%**
Licensed Financial Planner
Ph: 07 3720…[Read more]

Hi Dan

With that amount of equity and structured correctly funding should not be an issue.

Serviceability varies from one lender to another and the difference in amount can be substantial.

You state that you are receiving a current rental so i assume that the property you own is an IP and maybe you are renting or own your PPOR outright.…[Read more]

Steve

I am with you not bad at all.
And from Qld the service levels are quiet good too.

Richard Taylor
Residential & Commercial Finance Broker
**Lodoc Commercial loans from 7.39%**
Licensed Financial Planner
Ph: 07 3720 1888
richard@yourstatefinance.com

GR

As stated Mortgage Saver which is there standard product not construction. PPOR or IP security

Richard Taylor
Residential & Commercial Finance Broker
**Lodoc Commercial loans from 7.39%**
Licensed Financial Planner
Ph: 07 3720 1888
richard@yourstatefinance.com

Hi Karin

Many lenders will ignore small defaults if they are paid and therefore you maybe closer than you think.

Unlikely to get 100% IP loan even saying that so you will need some sort of a deposit plus closing costs.

I am assuming that you own no other property because if you do have a PPOR with some equity then i beleive you should be able…[Read more]

Hi Anita

Without going to all of the expense of refinancing every loan why not just ask Anz what it would take to have each loan on a standalone basis and then if necessary consider refinancing the PPOR and structuring that correctly to enable you to push forward with new purchases.

It wouldnt be that difficult for the Bank to give you the…[Read more]

Mapleleaf is Brisbane based and offers Vendor Finance all over Qld.

Ask him to send you his information pack as i think you will findit very professional.

Richard Taylor
Residential & Commercial Finance Broker
**Lodoc Commercial loans from 7.39%**
Licensed Financial Planner
Ph: 07 3720 1888
richard@yourstatefinance.com