PropertyInvesting.com | Redom Syed | Activity https://www.propertyinvesting.com/members/redom/activity/ Activity feed for Redom Syed. Sat, 11 Apr 2026 15:00:02 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 a1846b8aef510eb7623e981ce0c73835 Redom Syed changed their profile picture https://www.propertyinvesting.com/activity/p/325341/ Tue, 15 Sep 2015 01:14:24 +0000 dc54c575b3783385e70b24ff7634ac2e Redom Syed's profile was updated https://www.propertyinvesting.com/activity/p/325340/ Tue, 15 Sep 2015 01:13:38 +0000 132e02ca90b8808a1191b2d900a44fee Redom Syed replied to the topic Mortgage Broker Fees in the forum Finance https://www.propertyinvesting.com/topic/5001238-mortgage-broker-fees/#post-5001239 Tue, 17 Feb 2015 01:05:29 +0000 Its not that normal, but does happen depending on the situation. If he’s likely to be clawed back he may charge a fee for service (ie if your developing to sell in short periods).

]]> da2b59e136d04c73b68892b1ca020cf4 Redom Syed replied to the topic Saving for a Deposit in the forum Help Needed! https://www.propertyinvesting.com/topic/5000128-saving-for-a-deposit/#post-5000936 Thu, 12 Feb 2015 09:04:37 +0000 Your financing options of the top of my head:
1. Higher LVR loan – LMI works on an exponential like scale at high LVRs, so this will need to be considered.
2. Parental Guarantor if your parents have equity available that your willing to use. This way you could borrow 105% of the property.
3. Gifted funds (parents borrow their equity, gift it to…[Read more]

]]> e46d4c383957da7d2a4aad24fb1ab67c Redom Syed replied to the topic Co-signing a loan for my partners investment property. in the forum Finance https://www.propertyinvesting.com/topic/5000743-co-signing-a-loan-for-my-partners-investment-property/#post-5000935 Thu, 12 Feb 2015 09:01:06 +0000 Hmm given the doubts, id steer clear away from this.

Cheers,
Redom

]]> 4edf401e12aba424a2962b5055c67c43 Redom Syed replied to the topic Learning how money works in the forum Finance https://www.propertyinvesting.com/topic/4997795-learning-how-money-works/#post-4998019 Tue, 30 Dec 2014 05:11:37 +0000 Interest rates are one of the largest factors that influence prices in the short term. By adjusting rates one way or another, the RBA can effectively manufacture a growth cycle or put a stop to one.

Why? Interest rates are effectively the price you pay for credit.

Because people need credit to buy houses. Without credit, there would be next…[Read more]

]]> 55d790f462977356c231b958473407ab Redom Syed replied to the topic Opinions on fixed loans in the forum Finance https://www.propertyinvesting.com/topic/4997985-opinions-on-fixed-loans/#post-4998018 Tue, 30 Dec 2014 05:08:18 +0000 Think of it as a risk mitigation tool.

One of the biggest risks to cash flow for investors is interest rate risk. Fixing rates over different periods can manage this risk.

In terms of pricing, fixed rate market is very competitive at the moment. Years of cheap money around the world are flowing through to lower funding costs. Often people…[Read more]

]]> 0008efa0055d4fafd8f189b6870a4f0f Redom Syed replied to the topic a separate loan account for the portion of drawn out funds (deposit)? in the forum Finance https://www.propertyinvesting.com/topic/4997908-a-separate-loan-account-for-the-portion-of-drawn-out-funds-deposit/#post-4997911 Wed, 24 Dec 2014 01:21:49 +0000 Yep that’s how to set it up to avoid x-coll. :)

A few tips to maximise the structure your employing – it may make sense to:
a) get a couple vals done on your PPOR – often their are variances in valuations. May make sense to use the highest val.
b) If possible and suits you: turn your PPOR to I/O too – by reducing your contractual repayments,…[Read more]

]]> 47da41767d0ee359ef90181e3e42054f Redom Syed replied to the topic Increasing borrowing power through higher income formulae in the forum Finance https://www.propertyinvesting.com/topic/4997770-increasing-borrowing-power-through-higher-income-formulae/#post-4997897 Tue, 23 Dec 2014 10:09:25 +0000 I should note what others have said too – servicing calculators vary between lenders. The above are just some ‘soft’ rules to think about it.

Its gets technical, but brokers generally navigate around servicing calcs to build plans/borrow as much as possible. Brokers generally use a few tricks to make an applicants file look strong…but can o…[Read more]

]]> 107c84ef8309131c68103a07f3798eb4 Redom Syed replied to the topic Increasing borrowing power through higher income formulae in the forum Finance https://www.propertyinvesting.com/topic/4997770-increasing-borrowing-power-through-higher-income-formulae/#post-4997894 Tue, 23 Dec 2014 10:02:35 +0000 3 year fixed reduces banks buffer zone? The buffer zone banks use to assess is the same regardless of what type of rate you have.

When you go and apply for a loan, banks will generally do an income/expenses test and want to see that your income > expenses.

Generally, banks calculate the expense for the new home loan at 7%+, P&I repayments -…[Read more]

]]> 7b7211ed3ca7629fb1692bfe3812e378 Redom Syed replied to the topic Increasing borrowing power through higher income formulae in the forum Finance https://www.propertyinvesting.com/topic/4997770-increasing-borrowing-power-through-higher-income-formulae/#post-4997890 Tue, 23 Dec 2014 07:19:51 +0000 Heya,

Good question. Brokers spend every day playing with these calculators. A few observations:

Adding income is the most powerful way to improve your borrowing capacity – other techniques (e.g. interest only, reducing bad debt, switching lenders) generally only help to ‘maximise’ to get you as much as possible for a given income.…[Read more]

]]> 843d0ea7b78327bd8765b1fbe8808897 Redom Syed replied to the topic Learning how money works in the forum Finance https://www.propertyinvesting.com/topic/4997795-learning-how-money-works/#post-4997812 Mon, 22 Dec 2014 03:10:51 +0000 Kinnon – I love that video!!! Watched it plenty of times. Thanks for sharing. :)

To OP – the question you’ve raised is awesome. I find it fascinating, and there’s a deep literature trying to understand it.

As others have said, learning how to make money is likely to yield you more fruit than learning how money works. Nonetheless, it is a very…[Read more]

]]> 76328471a69e2d0da3b5503b7335bdd0 Redom Syed replied to the topic Hedging against interest rate rises in the forum Finance https://www.propertyinvesting.com/topic/4997554-hedging-against-interest-rate-rises/#post-4997568 Wed, 10 Dec 2014 05:34:55 +0000 Fair point Plummer. You could get 10-12 year fixes too though. To be honest i haven’t heard much about the mentioned strategy before. Would love to hear more from you and others. :)

Perhaps investing in asset classes that move in the opposite direction to economic conditions? I’m not too aware of this but: gold, gambling stocks, alcohol…[Read more]

]]> ea4c1d7c59d1f1b82e28e4219b03c67c Redom Syed replied to the topic Hedging against interest rate rises in the forum Finance https://www.propertyinvesting.com/topic/4997554-hedging-against-interest-rate-rises/#post-4997556 Tue, 09 Dec 2014 23:14:26 +0000 Good to see someone thinking about risk management – very important, particularly in the middle of a boom.

Fixing interest rates on parts of your portfolio is a quick trick. Doing so, allows you to ride out a period and adjust your lifestyle/finances accordingly.

Cheers,
Redom

]]> fff1514d870e95da15c6990547d3ee44 Redom Syed's profile was updated https://www.propertyinvesting.com/activity/p/301887/ Sat, 06 Dec 2014 06:15:21 +0000 e2ebd7f9d828b2cd1270dca76bf7e913 Redom replied to the topic Brisbane or Cairns in the forum Help Needed! https://www.propertyinvesting.com/topic/4997397-brisbane-or-cairns/#post-4997496 Sat, 06 Dec 2014 06:14:25 +0000 Hi NannyC – Kinnon’s definitely the expert on the Cairns market with a wealth of valuable inside knowledge.

Regarding Brissy – it does seem ‘primed’ for growth. Investors are flocking there away from Sydney. With next to no growth over an extended period, it really does seem to be the ‘market’ to be in.

Note that Brissy doesn’t quite have the…[Read more]

]]> da5c156930a743bd2b6e95cd84cd55c8 Redom replied to the topic Next question: Should we borrow the deposit for IP or use cash? in the forum Help Needed! https://www.propertyinvesting.com/topic/4997399-next-question-should-we-borrow-the-deposit-for-ip-or-use-cash/#post-4997495 Sat, 06 Dec 2014 06:04:15 +0000 Alternatively, you could use the equity available (assuming 80% lends, around 160k) to fund your first couple house deposits. Then use your cash to go again, rather than ‘wait’ for equity gains – just because it doesn’t receive the same tax deduction, it doesn’t mean its not still very viable to purchase property.

Realistically, using 100k of…[Read more]

]]> 0a8f8dc980567e5c70f820ed3c785c9f Redom replied to the topic Is this property analysis correct in the forum Help Needed! https://www.propertyinvesting.com/topic/4997126-is-this-property-analysis-correct/#post-4997494 Sat, 06 Dec 2014 05:57:26 +0000 Heya,

Just be aware they are assumptions and forecasts being used – any investment carries risk.

Some of the calculation assumptions are nice to see, particularly the conservatism applied with the interest rate.

The capital growth rate is quite high – perhaps using previous 20-30 year price cycle dynamics to calculate todays price.…[Read more]

]]> b5a9770d91b1ae8b02b74890d4474db0 Redom replied to the topic New to investing in the forum General Property https://www.propertyinvesting.com/topic/4997474-new-to-investing-11/#post-4997479 Fri, 05 Dec 2014 03:00:15 +0000 Give precium a call – pretty sure his the expert in this region.

Northern Beaches is a tough market to crack and has expanded quite rapidly over the past 24 months – it’s not a bad idea to look elsewhere. Lots of investors are moving up to Brissy in their search.

Cheers,
Redom

]]> 3127bdf846fa1860c66aab4d1b32da04 Redom replied to the topic How to release equity from IP to buy PPOR in the forum Help Needed! https://www.propertyinvesting.com/topic/4997452-how-to-release-equity-from-ip-to-buy-ppor/#post-4997477 Fri, 05 Dec 2014 00:18:58 +0000 Hi eyelove,

You should be able to access equity in existing property – as others have said, just set it up as a split loan to separate deductible and non deductible debt.

By the sounds of it you’re having serviceability issues (borrow cap). You could go to two separate lenders for the equity release of your existing property and your new…[Read more]

]]> e74eebdf59e2dbbcb8807115a99e6ac5 Redom replied to the topic Recommendation for good Conveyancer - Brisbane Queensland in the forum Help Needed! https://www.propertyinvesting.com/topic/4997439-recommendation-for-good-conveyancer-brisbane-queensland/#post-4997469 Thu, 04 Dec 2014 10:50:06 +0000 Heya,

RPI has quite the rep on investor forums. :)

Personally, I’ve used Rod Johanson recently – Johanson Lawyers. Been excellent for my QLD purchase. :)

Cheers,
Redom

]]> 9eeffa3a8e61b12738698201f1bff565 Redom Syed changed their profile picture https://www.propertyinvesting.com/activity/p/301819/ Thu, 04 Dec 2014 10:46:14 +0000 1ccfd522f3a7251f14b2fdbf7b2e1698 Redom Syed's profile was updated https://www.propertyinvesting.com/activity/p/301818/ Thu, 04 Dec 2014 10:44:55 +0000 fea23ded67a4d7f96a0bd1a62534dda4 Redom Syed became a registered member https://www.propertyinvesting.com/activity/p/296740/ Mon, 04 Aug 2014 10:30:44 +0000