You need to have the facilities to save a file as PDF on your own computer. If you can no longer do it, something on your computer has changed. You can always save it as an email or word document or just leave it in your email folders as is.

TMA
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You should be ‘permanent’ casual. I assume you would be since you were previously full-time.

TMA
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Yes. It relates to percentage return. The underlying currency is of no consequence.

TMA
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Why would you waste your time on the loan document????

What if the loan is only 10% LVR. Is this what you will offer?

It is none of your business what the owner of the property owes on their home anyway. It cannot possibly help you in any way.

Your time and money would be better spent comparing prices in the area and offer something…[Read more]

A PERFECT reason to have a loan with Offset structure!!!

Moving into your investment property will see your non-deductible debt jump from 150k to 450k!!! OUCH!!!!!

Personally, if I was certain about moving in for a long time, I would sell the house to a company I own and then rent it back at market ‘rent’ and then all loans would be…[Read more]

Why not have contributions to your newsletter from forum members?????????

TMA
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Forget the LOC. They are an expensive waste of time unless you want to be ‘fashionable’. You would be better served with a loan with offset regardless of your personal situation!

TMA
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I am a little disappointed in the most recent newsletter. It has a lot of very familiar content!

TMA
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Originally posted by JKM:
I was like TMA & thought it could be lent onto wife & they are saying NO. Obviously I am doing some more research on this.

Kim

You are not like me!!!

I clearly stated “Just sign the right loan document”.

What this means is that money can be borrowed from anywhere as long as it can be proven to be a loan and the funds…[Read more]

mtairs, whoever told you that is blatantly lying to you. If anything, your lending would be restricted more using multiple asset protection structures as lenders encounter more difficulty recovering their money from you if you default.

TMA
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Originally posted by CoopsT:
…is offsetting basically having an amount of money (say $10k) in a separate account but the interest that the $10k would normally earn just comes straight off the loan interest amount instead??

Sort of…

The Offset Account is linked to the loan account. If you had the 10K sitting somewhere else, you might be…[Read more]

I love presenting my views to the group. Not every comment adds value but I think if 99 are positive and 1 is negative, why does so much attention get directed at the 1 negative post?

It is a part of life on the net!

TMA
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Wife can lend to husband. Just sign the right loan document.

TMA
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If your properties are positive cashflow and your equity growth is non-existent, your deposits come from the positive cashflow.

TMA
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Your credit history can be incredible but you will not be able to buy a commercial property without 20-30% deposit and sometimes more if a first-timer.

TMA
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Best loan structures….

Investment Property – Interest Only Loan with Offset
PPOR Property – Interest Only Loan with Offset

There is no other choice in my mind for those buying property and wanting flexibility!

TMA
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I think some serious stamp duty changes will occur very quickly when the Libs take the Senate. Howard hates it!!!

TMA
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Yes red. That is the best way to set up an offset. Why would you attach one to a P&I loan?

If you are looking at spending issues when comparing LOC and Offset Accounts, you are looking at the wrong thing. You can get into trouble with either one just as easy.

You must look at the benefits of one over the other… such things as tax benefits when…[Read more]

The low doc market is the fastest growing and rates just keep coming down. A few of the lenders will give you exactly the same rate as a fully documented loan but with other restrictions like lower maximum loan amounts and lower LVRs. At 80% LVR or leas, they are as cheap as standard loans. Higher LVRs see rates loaded by 0.5% and up… I have…[Read more]

The problem with margin loans is that when applying for a home loan, they usually look at the limit even if you are nowhere near it. If you are not using it all and have no intetntion of doing so in the near future, it might be wise to reduce the limit if serviceability is an issue.

Regarding the income on the shares, these will only be…[Read more]