PropertyInvesting.com | Ron the Mortgage Broker | Activity https://www.propertyinvesting.com/members/ron-the-mortgage-broker/activity/ Activity feed for Ron the Mortgage Broker. Fri, 17 Apr 2026 09:21:21 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 ca17cefb4aff15f2a5dd6d386652612e Ron the Mortgage Broker replied to the topic Course swap in the forum The Treasure Chest https://www.propertyinvesting.com/topic/4406159-course-swap/#post-4666036 Mon, 28 May 2012 06:56:23 +0000 Hi Does anyone has Peter Comben DVD or Carly Crutchfields CCORP for Sale? Please PM meOr any other good resources, thanks

]]> 495e6179a493680071a7006889c6b1d4 Ron the Mortgage Broker replied to the topic Bank refusing to allow or accept a revaluation of my property in the forum Finance https://www.propertyinvesting.com/topic/4402088-bank-refusing-to-allow-or-accept-a-revaluation-of-my-property/#post-4637528 Wed, 16 Nov 2011 03:28:27 +0000 Matt007 wrote:
I asked Adelaide Bank to revalue my property, as it hasn't been done for about 4 years, and I know it's increased enough to bring my LVR to 80% or below. I didn't ask to increase my loan amount, just to have the property revalued at today's current prices rather than early 2007. I wanted to get the LVR down to get rid of LMI or…[Read more]

]]> d7ba58f577e693aff2ec6ad47baecb64 Ron the Mortgage Broker replied to the topic Unsure of the next step in the forum Finance https://www.propertyinvesting.com/topic/4405016-unsure-of-the-next-step/#post-4657804 Wed, 16 Nov 2011 03:22:00 +0000 Hi Rob, (Fix my previous post) at the moment 2 years fix from ING is 6.09%. You should only get fix loan for the right reason. see article below, hope it helps http://www.expresshomeloan.com.au/_blog/Property_and_Mortgage_Blog/post/Understanding_Fixed_Rate_Home_Loan/

]]> 29f08c35f77a4378ecd0fdf42de0ca5d Ron the Mortgage Broker replied to the topic Interest Rate Decision in the forum Interest Rate Decision https://www.propertyinvesting.com/topic/4405086-interest-rate-decision/#post-4658250 Wed, 16 Nov 2011 03:16:44 +0000 mattnz wrote:
Thanks Richard, Loved the rate cut today, was loaded up short AUD and came out a big winner :)

Matt, I am short AUD too =) and still short now, I think should take part profit around 0.94 level

]]> 5397ab57f4fea3dd1132bc70478946ad Ron the Mortgage Broker replied to the topic Interest Rate in the forum Finance https://www.propertyinvesting.com/topic/4405048-interest-rate-4/page/2/#post-4658008 Wed, 16 Nov 2011 03:10:53 +0000 Agreed with Michael, above 500K you can get 1%. Bigger loan=bigger discount but sometimes you have to ask for more discountalso there are banks which give more discount as LVR goes down, 75% or lower.Annual fee for offset acc (professional package) usually $350-$400,but there are 1-2 banks which only charge $120 or $200 for this type of loan per year.

]]> 403698ed206c182e5357c7b107885628 Ron the Mortgage Broker replied to the topic Loan structure in the forum Finance https://www.propertyinvesting.com/topic/4405111-loan-structure-11/#post-4658391 Wed, 16 Nov 2011 03:02:06 +0000 Hi Richard,I am not suggesting to offer their PPOR as sole security for the investment loan. What I meant was even if the security is your  your PPOR (which is Lefty situation),  you can still set the investment loan separately This was my original post "Best if you set the investment loan separately. This can be done even if security is only 1,…[Read more]

]]> 3f0ebd0662521d5bd145864ebbd3bdf6 Ron the Mortgage Broker replied to the topic Loan structure in the forum Finance https://www.propertyinvesting.com/topic/4405111-loan-structure-11/#post-4658388 Thu, 10 Nov 2011 00:49:57 +0000 Best if you set the investment loan separately.This can be done even if security is only 1, your PPOR.it will be much easier to do your tax return too.the drawback of multiple loan account is there could be multiple annual fee for offset acc.I know a bank which only charge low annual fee for loan account with offset.email me to find out more

]]> 3c062c03e50569d35b0fc933a336ed8e Ron the Mortgage Broker replied to the topic Stamp duty calculation in the forum Hi L, Richard is https://www.propertyinvesting.com/topic/4405114-stamp-duty-calculation-3/#post-4658410 Thu, 10 Nov 2011 00:42:55 +0000 Hi L,Richard is correct,stamp duty is payable irrespective of the vendor

]]> 6fe5ddb4e290f3a4fb8c1b61d629fc25 Ron the Mortgage Broker replied to the topic Reorganising loans between POP and IP's in the forum Finance https://www.propertyinvesting.com/topic/4405039-reorganising-loans-between-pop-and-ips/#post-4657940 Wed, 09 Nov 2011 22:48:25 +0000 Hello,In short no you can't redistribute debt.that is why it's best to use offset account from the start to avoid this happening, because you can redistribute saving from offset account from deductible to non deductible offset account debt.In saying this , I heard there are accountants out there who would "redistribute" the debt, but just up to…[Read more]

]]> f29c7adedb60cd9497441d78076421ab Ron the Mortgage Broker replied to the topic Should I fix rates for 1, 2 or 3 years now? in the forum Finance https://www.propertyinvesting.com/topic/4404998-should-i-fix-rates-for-1-2-or-3-years-now/#post-4657665 Wed, 09 Nov 2011 22:25:55 +0000 (Comment fixed and repost)Hello, I have just finished writing articles on whether you should fix your loan or not. Please click on the link below: http://www.expresshomeloan.com.au/_blog/Property_and_Mortgage_Blog/post/Understanding_Fixed_Rate_Home_Loan/ The keypoint is that do not fix your loan for the purpose of trying to beat the market,…[Read more]

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