https://www.propertyinvesting.com/members/starrjoshua/activity/ Activity feed for starrjoshua. Tue, 14 Apr 2026 22:59:17 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 994ccf7cd15159d6cfb4d412f4d8af23 https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/page/2/#post-4581956 Fri, 15 Feb 2008 09:54:25 +0000 oh okthanks richardif they charge a higher rate, what do u think that would be?, or what would the lvr reduce to?might be getting too much?

]]> 49b08069710363ff28c937516443d011 https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/page/2/#post-4581954 Fri, 15 Feb 2008 07:53:35 +0000 Postcode would be 4802

]]> 853581635e5df0b1989136f3655aa06d https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/page/2/#post-4581950 Wed, 06 Feb 2008 02:49:37 +0000 in terms of the short fall, wouldnt I make a contribution into the fund from income earned?, up to a max of $50,000 per year, which after the 15% contribution tax, would be $42500. That would be enough to meet the obligations of the fund.do you set up SMSF?, if so, how much does that cost?is 9.1% the lowest rate?…also is interest only a…[Read more]

]]> d9f70ba094a3b9df1d9a15db3dbd3eb3 https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/page/2/#post-4581948 Wed, 06 Feb 2008 02:11:56 +0000 yes, but non concessional contributions (ie those that are personal contributions and not caimed as a deduction) for the 2007-8year has been capped at $150,000.that means I can put some of my savings into the super fund, add that to the $50k already in the account are there is the 20% deposit… i would then only require a 80% lvr loan…in te…[Read more]

]]> 1a843735556634fa39a9be3348db52d6 https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/page/2/#post-4581946 Wed, 06 Feb 2008 01:41:56 +0000 how much can u put into the fund per year?do they lend for postcode 4802?if the lender will lend at 85% lvr, and with $50,000 in the fund,  that could mean i could borrow $283,000, giving a purchase price of $333,000, but nothing in the fund to pay for stamp duty, etc, and if you cant make much of an addiditional contribution, then it wouldnt…[Read more]

]]> 506c43350bdbe82613cc187f8c4c37f1 https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/#post-4581944 Wed, 06 Feb 2008 00:52:16 +0000 thanks Richardis it harder to borrow funds in the Fund name?, like does the lender take into consideration ongoing employee super contributions, etc?, do they still do a credit check, even though its a fund?is it easy to just put money into your super fund?, or do u make the contribution when you start the new fund?are there maximum amounts you…[Read more]

]]> 210e3470f41c272af26a853cdd01dab1 https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/#post-4581942 Tue, 05 Feb 2008 23:14:39 +0000 what is the LVR reduced to?are u able to use a cash deposit in addition to the $50k in super?what is a non recourse loan?thanks!!

]]> d20eb8c27341f78b99c227b6784e5507 https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/#post-4581940 Tue, 05 Feb 2008 08:15:35 +0000 ouchthats really expensive, dont you think?someone was telling me that they invested their superannuation money into property, they used what was in their fund as a deposit, and had the super payments paid into the loan account together with the rental money from the property, and that was enough to meet the obligations.i think their accountant…[Read more]

]]> 59ae92042f3fca65ebb1a240b3eed398 https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/#post-4581938 Mon, 04 Feb 2008 05:45:38 +0000 ok coolhow much would be LMI then?

]]> ddfcb358c09566694805cf285e0297f7 https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/#post-4581936 Sun, 03 Feb 2008 22:45:57 +0000 I checked on the pmi website for postcode 4802, says max lend $750,000 for 90% loan, that would give a purchase price of $830,000…Am I understanding that correctly? or is there another mortgage insurer?

]]> 3ab0d23aea3345f69112f25cfc57063f https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/#post-4581934 Sat, 02 Feb 2008 10:29:01 +0000 Hi RichardThanks for that. I am guessing it might be a better idea to use a 10% deposit and do a 90% lend, the LMI is too high on a 95% loan, or higher. What is the LMI on 90%?In the past I have had a St George 100% loan, there was an equalisation fee, rather than LMI. Im not sure if there is a maximum lend on this loan?, but the interest rate was…[Read more]

]]> 1411210662daa762dfaedfbce190fcd1 https://www.propertyinvesting.com/topic/4392158-looking-for-a-loan/#post-4581929 Fri, 01 Feb 2008 08:18:29 +0000 thanks for thatare 100% loans available for this postcode and at that level?what would be the lowest deposit I could get away with?

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