Total Members: 158,200

small_time

  • small_time replied to the topic Investing and HECS in the forum I understand that to free up 16 years, 6 months ago

    I understand that to free up cash flow I have to pay complete HECS debt, but thanks for bringing it up as it is an important point.  It seems that unless I can clear the debt there is no point paying some of it off.So, for the moment I am going to keep the money flowing into the homeloan, but at the time when I have enough redraw to clear my HECS…[Read more]

  • small_time replied to the topic Equity questions – First IP in the forum Finance 17 years, 2 months ago

    What expenses need to be accounted for and what are some base line costs, from the top of my head…

    Rates (% of property value?)
    House Insurance
    Liability insurance (Is this required, costs?)
    Allowance for vacancy (1 months worth of rent?)
    Commission to rental manager (5% of rent?)
    Closing Costs (6% of property value)
    Repair/maintainence kitty…[Read more]

  • small_time replied to the topic Has anyone came back after losing everything in the forum Help Needed! 17 years, 2 months ago

    Where can I find information regarding the 33:30 challenge?

  • small_time replied to the topic Second Mortgage in the forum Finance 17 years, 2 months ago

    Why is it normally an interest only loan? Is that purely to lower the repayments?

    If it is P & I then won’t you grow more equity?

small_time

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