Hi Wayne

I am with Steven although at 3.08am I was watching England destroy the Aussies and not answering questions.

If you broker is having problems it is very easy -change brokers.

Good luck.

Cheers Richard

Ph: (07) 3720 1888
richard@yourstatefinance.com
http://www.yourstatefinance.com

IP funding and US property finance
our speciality

Steven is right i could not recommend on going on the title with your mother especially if you are elligible for the FHOG.

Any mortgage broker who suggested that i would be dumping and moving on to someone else

If you mother is happy for her property to be used as security then it would be easier to do the loan in her name solely (subject to…[Read more]

Hi mhugo

Under 50 Sq M is not a problem dependant on how big.

I have just completed one only yesterday at 40
Sq M and we got LVR of 90.

If you want to tell us a bit more i can point you in the right direction.

Cheers Richard

Ph: (07) 3720 1888
richard@yourstatefinance.com
http://www.yourstatefinance.com

IP funding and US property finance
our speciality

Simon, You beat me to it.

I had my telephone call yesterday and then followed the criteria 5% / month is bang on. You must have had the same advertising blurb sent to you.

Not bad for a 2 poster

Cheers Richard

Ph: (07) 3720 1888
richard@yourstatefinance.com
http://www.yourstatefinance.com

IP funding and US property finance
our speciality

Simon has hit the nail on the head.

I have a couple of boarding houses and yes the turnover is higher than normal and take the odd phone call from the onsite manager on Sunday night but the general return is a lot higher than one would get from a standard investment property.

Certainly not everybodies cup of tea but what a boring world it would…[Read more]

I agree with Simon more information is required to offer clear and consise advice but i assure you have done several over the last couple of months for brothers and sisters buying together.

Cheers Richard

Ph: (07) 3720 1888
richard@yourstatefinance.com
http://www.yourstatefinance.com

IP funding and US property finance
our speciality

Hi Westan

David Gower, Mike Gatting, Graham Gooch, Mike Atherton to name a few were all born outside of the UK but didnt stop them playing for England.

Thinking about it Clive Rathbone, Tatiana Gregorvitch and a the new Bulgarina Discus thrower aren’t locals are they. Oh yes sorry i fogot about the rest of the Wallaby team as well.

Cheers…[Read more]

100% or more to include costs is always available to Expats when you are offering additional security.

Cheers Richard

Ph: (07) 3720 1888
richard@yourstatefinance.com
http://www.yourstatefinance.com

IP funding and US property finance
our speciality

We process many expat loans for clients in the UK, Asia and the Far east and 80% is not a problem.

The other option is to consider a foreign currency loan in the currency in which you are earning overseas.

We do many of these in British Pounds for clients working in and living in the UK where the Aussie Bank takes the Australian investment…[Read more]

Daniel

You are on i will leave you my address.

What do recon about as much chance of the Wallabies winning another Test Match in 2005.

Cheers Richard

Ph: (07) 3720 1888
richard@yourstatefinance.com
http://www.yourstatefinance.com

IP funding and US property finance
our speciality

Westan

To me it has to be Gillespie as Peiterson needs to score another quick century.

Oh to be an Englishman for once.

Cheers Richard

Ph: (07) 3720 1888
richard@yourstatefinance.com
http://www.yourstatefinance.com

IP funding and US property finance
our speciality

Hav11C

From Gemworths website

1 Year or Less – 40% refund
Over 1 year to 2 years – 20% refund
No refund is payable where:
1) The amount payable i sless than $150
2) A loss has eventuated.
3) The loan was reported to be in a arrears.
4) The lender does not notify GE within 3 months of the loan being fully repaid

With PMI

1 Year or less 40%…[Read more]

Loan Wolf

Feel free to email me and i will send you back a basic Call Option contract we use in Qld.

Cheers Richard

Ph: (07) 3720 1888
richard@yourstatefinance.com
http://www.yourstatefinance.com

IP funding and US property finance
our speciality

Hi DE Harding

80% lodoc for constructions is certainly available at standard variable rates.

Whilst higher than 80% is also obtainable this attracts a higher rate of interest.

Feel free to email me more details and i would be happy to point you in the right direction.

Cheers Richard

Ph: (07) 3720…[Read more]

Bris

Yes they do in Salisbury for a cashflow game.

Cheers Richard

Ph: (07) 3720 1888
richard@yourstatefinance.com
http://www.yourstatefinance.com

IP funding and US property finance
our speciality

Phoenix

Sven may have apologised but with 7 first teams out and wanting to pander to the nordic nations what do you expect.

At least we will be in Germany more than you can say for the Aussies (oh thats right i forgot they want the easy Oceania route becuase the Soloman Island where putting up tough opposition)

Westan i am 41 too and i remember…[Read more]

brownbear

No one else seems to offered assistance on this one. Feel free to email me if you need some ideas and a bit of mentoring.

Cheers Richard

Ph: (07) 3720 1888
richard@yourstatefinance.com
http://www.yourstatefinance.com

IP funding and US property finance
our speciality

Hi Nicola

Unfortunately due the nature of the forum I am unable to provide you with advice but hope i can offer a few suggestions.

Firstly, i assume that the Vendor is a private seller and not the original developer or the resort themselves. Why is he / she selling?

I think you need to check very carefully that occupancy rate is that all the…[Read more]

Never been there myself but have had clients invest there.

Have you not looked at regional Qld prices are very favourable still.

Cheers Richard

Ph: (07) 3720 1888
richard@yourstatefinance.com
http://www.yourstatefinance.com

IP funding and US property finance
our speciality

Poms to win the next 2 tests.

IT Botham comes out of retirement and makes a reappaearance in Test 5 scring a triple century and take a 10 fa.

Ranked No 2 in the World Cricket ranking which will be 1 after the Ashes.

Rugby Union World Cup holders.

Ranked 1,2 & 3 in World Snooker.

I could in but i wont for the locals sake.

England are back…[Read more]