PropertyInvesting.com | siewlin | Activity https://www.propertyinvesting.com/members/siewlin/activity/ Activity feed for siewlin. Wed, 15 Apr 2026 02:33:17 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 0818cfab316db5e47b5f214b0a960baa siewlin started the topic loans from the same bank - what's the pros and cons in the forum Finance https://www.propertyinvesting.com/topic/5027746-loans-from-the-same-bank-whats-the-pros-and-cons/ Wed, 22 Jun 2016 08:11:32 +0000 Hi ,
May i know what’s the pros and cons of having my residential and one investment mortgage from the same bank?Apparently , the XX bank claims that they will give me a better interest rates if i were to both loans from them . PLEASE GIVE ME SOME ADVICE.
thanks

]]> 5217fbf43440f664a69936eb18f8509e siewlin started the topic Do you use offset account for Investment property? in the forum Creative Investing https://www.propertyinvesting.com/topic/5008385-do-you-use-offset-account-for-investment-property/ Sun, 07 Jun 2015 08:42:09 +0000 hi i was thinking of putting all my salary into offset account for this IP , reducing the amount of interest rate repayment will increase my cash flow. Is this a good idea? Thanks for sharing !

]]> 0f76fd7971c27e43865b66e16eac14c7 siewlin started the topic Fixed interest rate for IP and Owner Occupier ? in the forum Help Needed! https://www.propertyinvesting.com/topic/5008384-fixed-interest-rate-for-ip-and-owner-occupier/ Sun, 07 Jun 2015 08:37:53 +0000 hey guys,
interest rates is the lowest at the moment , has anyone tried to fix the interest rates for owner occupier and IP?

]]> 8521e9759a9412e557cdfff9f0763f6b siewlin posted an update: hey guys, interest rates is the lowest at the moment , has […] https://www.propertyinvesting.com/activity/p/316286/ Sun, 31 May 2015 07:41:13 +0000 hey guys,
interest rates is the lowest at the moment , has anyone tried to fix the interest rates for owner occupier and IP?

]]> a00ff560c86b694c482e4b1705b02c7c siewlin posted an update: hey guys, interest rates is the lowest at the moment , has […] https://www.propertyinvesting.com/activity/p/316285/ Sun, 31 May 2015 07:40:51 +0000 hey guys,
interest rates is the lowest at the moment , has anyone tried to fix the interest rates for owner occupier and IP?

]]> c22be8b895e8243a4a8fd28168463b29 siewlin posted an update: hi guys, at the moment the interest rate is low, isn't the […] https://www.propertyinvesting.com/activity/p/316126/ Thu, 28 May 2015 13:52:13 +0000 hi guys, at the moment the interest rate is low, isn’t the best time for investors or owner occupiers to fix the interest rates?

]]> f95aedbd98fc6d056be904591b1e89bd siewlin replied to the topic Bank valuation VS Independent valuation in the forum General Property https://www.propertyinvesting.com/topic/4997751-bank-valuation-vs-independent-valuation/#post-5008004 Thu, 28 May 2015 13:33:43 +0000 hi guys t , thanks for your help.
i have just purchased a unit in Innaloo Western Australia! I used real estate investar for valuation , it’s a computer generate valuation. it says that my unit is worth 540k to 560k and i have compared with other houses in the areas , i think my unit is worth at least 540k . Some purchasers are willing to buy the…[Read more]

]]> 7a728409972005365690e83376415145 siewlin posted an update: hey guys, interest rates is the lowest at the moment , has […] https://www.propertyinvesting.com/activity/p/316118/ Thu, 28 May 2015 12:59:57 +0000 hey guys,
interest rates is the lowest at the moment , has anyone tried to fix the interest rates for owner occupier and IP?

]]> 539bc8bf682a938a6beefaebd20b141f siewlin posted an update: Asset protection hi guys , my husband and i are health care […] https://www.propertyinvesting.com/activity/p/313589/ Sun, 26 Apr 2015 13:39:01 +0000 Asset protection
hi guys , my husband and i are health care professionals. we are wondering what are the options to protect our asset besides setting up a trust. Our accountant told us that we would not benefit from negative gearing if the investment property is in the trust. Moreover, the accountant also told us that the ownership should be 70%…[Read more]

]]> 89f113835d383eb2ddd9f502e7bd4102 siewlin started the topic Bank valuation VS Independent valuation in the forum General Property https://www.propertyinvesting.com/topic/4997751-bank-valuation-vs-independent-valuation/ Thu, 18 Dec 2014 09:13:49 +0000 hi there,
I would like to purchase a property and the bank valuation was done. Should i get an independent valuation so as to compare with the bank? If the bank valuation is sufficient, i would not waste money on getting independent valuation. What do guys suggest?Could anyone analyse the differences between Bank Valuation and Independent…[Read more]

]]> 4d5ce3184560c05795ac2908bf147408 siewlin replied to the topic confused ! 1 bed oor 2 bed apartment? can i kill 2 birds with 1 stone? in the forum Help Needed! https://www.propertyinvesting.com/topic/4996275-confused-1-bed-oor-2-bed-apartment-can-i-kill-2-birds-with-1-stone/#post-4996491 Tue, 11 Nov 2014 04:21:34 +0000 hi there thanks for your advice. i am looking for a good mortgage broker who does not work for the bank. any recommendation? thanks

]]> 05cda2c99e3a915c03740d84dc446795 siewlin started the topic confused ! 1 bed oor 2 bed apartment? can i kill 2 birds with 1 stone? in the forum Help Needed! https://www.propertyinvesting.com/topic/4996275-confused-1-bed-oor-2-bed-apartment-can-i-kill-2-birds-with-1-stone/ Tue, 04 Nov 2014 12:02:27 +0000 Hi , i am a newbie in investment property! Please share your wisdom and guide me and i appreciate it very much!!
these are the following questions:
1.I wanted to buy an investment property at subiaco, but i do not know where to get information regarding the demand of tenants of the suburb?If i were to ask the agent, they will be bias right?
2. The…[Read more]

]]> 6f21af3030aa5b02c37012b90b7278a1 siewlin replied to the topic Staying in my own Investment property: What are the pros and cons? in the forum Help Needed! https://www.propertyinvesting.com/topic/4409917-staying-in-my-own-investment-property-what-are-the-pros-and-cons/#post-4694250 Mon, 26 Aug 2013 21:41:39 +0000 oh thanks for all the comments . i'm not buying as PPOR but as an IP.

]]> d3013e634c63c26d25a86f64967c9116 siewlin started the topic Staying in my own Investment property: What are the pros and cons? in the forum Help Needed! https://www.propertyinvesting.com/topic/4409917-staying-in-my-own-investment-property-what-are-the-pros-and-cons/ Sun, 25 Aug 2013 09:12:15 +0000 Hi I'm planning to buy an investment property. However, I will still have to pay rent elsewhere for my place of residence. That's when it struck me why not stay in my new investment property where I will be my own tenant for a while (until I move to a new town), esp where my current rent is similar to the expected rent from the new property. Will…[Read more]

]]> 504f434103c9a6f4b10e8c3745658bba siewlin replied to the topic LMI refunds - CBA in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4400721-lmi-refunds-cba/page/2/#post-4629067 Sun, 21 Jul 2013 06:43:39 +0000 sorry what  does CBA stands for ??? thanks

]]> 3844be770cd665d5e5b6845c63112ef1 siewlin replied to the topic advice Need to buy a property in the forum hey , are u planing to sell https://www.propertyinvesting.com/topic/4409740-advice-need-to-buy-a-property/#post-4693439 Sun, 21 Jul 2013 06:32:07 +0000 hey , are u planing to sell the house in future ? if not then dont worry about the oversupply issue. ;p all the best

]]> 2405fa18ac8f3e4d9e0261a333fc3fdc siewlin replied to the topic 1 unit 1 bath A GOOD INVESTMENT ?? in the forum hey so do u mean that https://www.propertyinvesting.com/topic/4409714-1-unit-1-bath-a-good-investment/#post-4693305 Thu, 18 Jul 2013 04:55:18 +0000 hey so do u mean that property investing is just a scam ??? it make us work harder for the banks?? i'm in a junction now , life is very confusing right now . i have saved up some money and wanted to study medicine however, i believe that through property investing , it can give me financial freedom if i do well . please advice

]]> f579d77bfd671cbc8dddd38935692146 siewlin replied to the topic Lowering the mortage to 80% debt for the next purchase in the forum Finance https://www.propertyinvesting.com/topic/4409606-lowering-the-mortage-to-80-debt-for-the-next-purchase/#post-4692679 Tue, 16 Jul 2013 22:52:52 +0000 hey , A bigger loan means bigger repayments :-)  if i'm going for further my study in medicine with the help of help fees which means loan from the government will it affect my eligibility from borrowing money from the bank?? though my husband is working full time with a salary of 100k per annum , i believe since the dependent who is me not working ,…[Read more]

]]> 56fd0a17302c92d923442aba5210485e siewlin replied to the topic should i start investing in PPOR or investment property??? in the forum Opinionated! https://www.propertyinvesting.com/topic/4409715-should-i-start-investing-in-ppor-or-investment-property/#post-4693308 Tue, 16 Jul 2013 22:11:33 +0000 hey thanks !!!!

]]> 242a57b6fc969a2a3bcb799e33df66c6 siewlin replied to the topic 1 unit 1 bath A GOOD INVESTMENT ?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4409714-1-unit-1-bath-a-good-investment/#post-4693299 Tue, 16 Jul 2013 06:27:18 +0000 hey property boy , thanks for your feedback. from reading all the magazines , it does tell us that investing in apartment has lots of hidden fees and no growth in land value so  what kind of property which u will invest ? please share your knowledge thanks

]]> a6f19fd03fe838125fbcf57edcade8b1 siewlin replied to the topic 1 unit 1 bath A GOOD INVESTMENT ?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4409714-1-unit-1-bath-a-good-investment/#post-4693297 Tue, 16 Jul 2013 06:01:52 +0000 hi jamie, 
Lease ends 15.01.14 @ $270pw
– Water rates: $689.90pa
– Council rates: $1137.83pa
– Strata levies: $633 PQTR
– Reserve Levy $49 PQTR
interest rate 5 % for loan  $170000 = $8500
total expenses =$12316.83
total rent + $14040
cf  +  $1723

did i miss anything ? plesae advise.
i'm still waiting for the agent to reply regards the property…

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