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	<title>PropertyInvesting.com | Stuart Wemyss | Activity</title>
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				<title>Stuart Wemyss replied to the topic Finance for Self Managed Super Fund (SMSF) in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4394322-finance-for-self-managed-super-fund-smsf/#post-4593316</link>
				<pubDate>Fri, 26 Sep 2008 12:43:28 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Terry I did one via Mortgage Mart &#8211; agree with Richard &#8211; absolute nightmare!!! 80% was the max. ATO may have issues with personal g/tees and there may be GCT issues when ppty finally transfers into fund so watch out. NAB &amp; Westpac are probably the main lenders left. However, I can&#039;t see us getting involved in another one of these for a while.&hellip;</p>
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				<title>Stuart Wemyss replied to the topic getting 1st mortgage - via broker or bank? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4394103-getting-1st-mortgage-via-broker-or-bank/#post-4592295</link>
				<pubDate>Sat, 30 Aug 2008 12:30:52 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi TessI would just say that you <strong>shouldn&#039;t</strong> act on tax or financial advice from a mortgage broker unless they hold an Australian Financial Services License or are a Registered Tax Agent. Just make sure they do.CheersStuart</p>
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				<title>Stuart Wemyss replied to the topic Smart Borrowers Handbook in the forum Smart Borrowers Handbook</title>
				<link>https://www.propertyinvesting.com/topic/4394062-smart-borrowers-handbook-2/#post-4592076</link>
				<pubDate>Fri, 22 Aug 2008 10:03:48 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thank you! Glad you enjoyed it!CheersStuart</p>
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				<title>Stuart Wemyss replied to the topic Low Documentaion loans in the forum Help Needed!</title>
				<link>https://www.propertyinvesting.com/topic/4393546-low-documentaion-loans/#post-4589269</link>
				<pubDate>Sat, 21 Jun 2008 06:15:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>Good question <a href="/user/yossarian" rel="nofollow">Yossarian</a>. Can you afford the loan without your husband&#039;s income? If not, then why would a lender be comfortable lending to a person that can&#039;t afford it. A low doc loan won&#039;t help because you need to state an income. CheersStuart</p>
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				<title>Stuart Wemyss replied to the topic Getting the most out of a bank valuation in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393403-getting-the-most-out-of-a-bank-valuation/#post-4588481</link>
				<pubDate>Thu, 05 Jun 2008 11:37:24 +0000</pubDate>

									<content:encoded><![CDATA[<p>See <a href="http://www.prosolution.com.au/articles/valuations.pdfHope" rel="nofollow">http://www.prosolution.com.au/articles/valuations.pdfHope</a> that helps. Cheers, Stu</p>
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				<title>Stuart Wemyss replied to the topic Financial advice in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393226-financial-advice-4/#post-4587544</link>
				<pubDate>Wed, 28 May 2008 13:06:34 +0000</pubDate>

									<content:encoded><![CDATA[<p>IFFP is a good start &#8211; i.e. totally fee for service. As I said, great financial advice is worth thousands so $3k is nothing compared to the value it could add if its good advice. </p>
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				<title>Stuart Wemyss replied to the topic Financial advice in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393226-financial-advice-4/#post-4587539</link>
				<pubDate>Mon, 19 May 2008 23:38:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>Sure can. I have used Matt Ross personally and referred many clients to him. He is independent.               Matthew RossAuthorised RepresentativeAustralian Independent Financial Advisers Pty Ltd, AFSL 286175Office:<span>   </span>Suite 2.15, 737 Burwood Road, Hawthorn VIC 3122Phone:<span>  </span>03 8862 6415Email: <a href="mailto:matthew.ross@aifa.com.auGood" rel="nofollow">matthew.ross@aifa.com.auGood</a> luck. </p>
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				<title>Stuart Wemyss replied to the topic LOC loans being fully drawndown at settlement in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393199-loc-loans-being-fully-drawndown-at-settlement/#post-4587428</link>
				<pubDate>Mon, 19 May 2008 07:30:03 +0000</pubDate>

									<content:encoded><![CDATA[<p>Maybe I am unrealistic but brokers suggesting people borrow more than they need just to get paid more would hopefully be in the minority. Its very unprofessional if that&#039;s the case. </p>
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				<title>Stuart Wemyss replied to the topic Financial Advisor in Brisbane in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393231-financial-advisor-in-brisbane/#post-4587560</link>
				<pubDate>Sun, 18 May 2008 00:05:40 +0000</pubDate>

									<content:encoded><![CDATA[<p>Sorry Richard. I should have said that 98% of FP&#039;s won&#039;t talk about property. I know that there are a small number of quality planners (fee for service) which will consider all asset classes. </p>
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				<title>Stuart Wemyss replied to the topic LOC loans being fully drawndown at settlement in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393199-loc-loans-being-fully-drawndown-at-settlement/#post-4587426</link>
				<pubDate>Fri, 16 May 2008 13:40:16 +0000</pubDate>

									<content:encoded><![CDATA[<p>That&#039;s right. You only draw what you need. Remaining amount is not drawn and you can access it later. </p>
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				<title>Stuart Wemyss replied to the topic Financial Advisor in Brisbane in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393231-financial-advisor-in-brisbane/#post-4587557</link>
				<pubDate>Fri, 16 May 2008 12:31:12 +0000</pubDate>

									<content:encoded><![CDATA[<p>I don&#039;t think you need a FP &#8211; they won&#039;t talk to you about property. Check out &#8211; <a href="http://www.propertysearchers.net.au/home.htmCheers" rel="nofollow">http://www.propertysearchers.net.au/home.htmCheers</a>, Stuart</p>
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				<title>Stuart Wemyss replied to the topic LOC loans being fully drawndown at settlement in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393199-loc-loans-being-fully-drawndown-at-settlement/#post-4587424</link>
				<pubDate>Fri, 16 May 2008 12:27:32 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yossarian, that is a silly comment. If you knew how mortgage brokers got paid you would know that majority of lenders claw back commissions if vast majority of LOC is not utilised within a certain time. Therefore, setting up LOC which aren&#039;t used does not generate revenue in most circumstances. If its a genuine LOC it does not have to be drawn -&hellip;<span class="activity-read-more" id="activity-read-more-81175"><a href="https://www.propertyinvesting.com/topic/4393199-loc-loans-being-fully-drawndown-at-settlement/#post-4587424" rel="nofollow">[Read more]</a></span></p>
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				<title>Stuart Wemyss replied to the topic Financial advice in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393226-financial-advice-4/#post-4587537</link>
				<pubDate>Fri, 16 May 2008 12:15:53 +0000</pubDate>

									<content:encoded><![CDATA[<p>I think $3k is pretty cheap but of course depends on the quality of advice. You want an independent FP who does NOT take commissions. See <a href="http://www.independent-advice.com.au/index.asp" rel="nofollow">http://www.independent-advice.com.au/index.asp</a> CheersStu</p>
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				<title>Stuart Wemyss replied to the topic If you are not working, how do you obtain finance from lenders? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393195-if-you-are-not-working-how-do-you-obtain-finance-from-lenders/#post-4587410</link>
				<pubDate>Tue, 13 May 2008 02:31:57 +0000</pubDate>

									<content:encoded><![CDATA[<p>You don&#039;t need a private banker when you have a large portfolio, just a great broker! <img src="/wp-content/uploads/smileys/smile.gif?x75824" width="" height="" alt=":)" title=":)" class="bbcode_smiley" /> If you only have rental income, then lenders can have issues with that because you become &quot;rent reliant&quot;. However, there are other mitigating factors like, low LVR, multiple properties = good exit strategy, etc. There&#039;s no set formula &#8211; my case by case. However,&hellip;<span class="activity-read-more" id="activity-read-more-278683"><a href="https://www.propertyinvesting.com/topic/4393195-if-you-are-not-working-how-do-you-obtain-finance-from-lenders/#post-4587410" rel="nofollow">[Read more]</a></span></p>
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				<title>Stuart Wemyss replied to the topic If you are not working, how do you obtain finance from lenders? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4393195-if-you-are-not-working-how-do-you-obtain-finance-from-lenders/#post-4587408</link>
				<pubDate>Mon, 12 May 2008 12:11:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>Well if you have a huge portfolio, you have a lot of rental income and hence they may be happy to lend. If you have no portfolio and no job, you have no income and they won&#039;t lend you any money. And fair enough too. Cheers, Stuart</p>
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				<title>Stuart Wemyss replied to the topic Non Resident loan  in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4392899-non-resident-loan/#post-4585656</link>
				<pubDate>Mon, 21 Apr 2008 11:43:06 +0000</pubDate>

									<content:encoded><![CDATA[<p>I agree with Richard &#8211; no lenders or mortgage insurers for LVR &gt; 80% to non-perm resident. CheersStuart</p>
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				<title>Stuart Wemyss replied to the topic Advice sought  in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4392961-advice-sought-2/#post-4585939</link>
				<pubDate>Mon, 21 Apr 2008 11:40:03 +0000</pubDate>

									<content:encoded><![CDATA[<p>I agree with the past two posts. It sounds like you are over stretching yourself and taking silly risks. Building wealth isn&#039;t an overnight exercise. What&#039;s the hurry? Why do you need to buy two properties in the same complex? You should look for some geographical diversification. Can you pull out of one of the purchases? Cheers, Stuart</p>
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				<title>Stuart Wemyss replied to the topic Fixed Or Variable Loan - That is the question.... in the forum We prepare an interest rate</title>
				<link>https://www.propertyinvesting.com/topic/4392970-fixed-or-variable-loan-that-is-the-question/#post-4585965</link>
				<pubDate>Mon, 21 Apr 2008 11:34:02 +0000</pubDate>

									<content:encoded><![CDATA[<p>We prepare an interest rate advisory note which you might be interested in reading &#8211; go to <a href="http://www.prosolution.com.au/IRAN.pdf" rel="nofollow">http://www.prosolution.com.au/IRAN.pdf</a> Hope that helps. RegardsStuart</p>
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				<title>Stuart Wemyss replied to the topic Smart Borrowers Handbook in the forum Heads Up!</title>
				<link>https://www.propertyinvesting.com/topic/4392886-smart-borrowers-handbook/#post-4585614</link>
				<pubDate>Sat, 12 Apr 2008 00:08:29 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks Terry. Its no Harry Potter!!! Its selling okay &#8211; only just been released and still to make its way into all bookstores. Plus have a bit more marketing to come&#8230; fingeres crossed. </p>
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				<title>Stuart Wemyss replied to the topic Need some advice form a good mortgage broker! in the forum I think this is a good</title>
				<link>https://www.propertyinvesting.com/topic/4391473-need-some-advice-form-a-good-mortgage-broker/#post-4577398</link>
				<pubDate>Sat, 22 Dec 2007 06:40:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>I think this is a good warning to people about the strategy of using a LOC to fund the shortfall. Its an okay strategy if you are doing it because you chose to. However, its not a good idea if you chose this strategy because you have to (i.e. only way to hold the property). Too many risks (e.g. income decreases, no capital growth, rates income,&hellip;<span class="activity-read-more" id="activity-read-more-230334"><a href="https://www.propertyinvesting.com/topic/4391473-need-some-advice-form-a-good-mortgage-broker/#post-4577398" rel="nofollow">[Read more]</a></span></p>
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				<title>Stuart Wemyss replied to the topic 95% LVR, one party lives offshore?? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4391698-95-lvr-one-party-lives-offshore/#post-4578847</link>
				<pubDate>Sat, 22 Dec 2007 06:35:58 +0000</pubDate>

									<content:encoded><![CDATA[<p>NAB will lend 95% to aust citizens as well. </p>
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				<title>Stuart Wemyss replied to the topic Looking for IP SAVVY broker/s in Melb willing to offer something (eg: Commission or Trade) for leads in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4391687-looking-for-ip-savvy-brokers-in-melb-willing-to-offer-something-eg-commission-or-trade-for-leads/#post-4578785</link>
				<pubDate>Sat, 22 Dec 2007 06:33:38 +0000</pubDate>

									<content:encoded><![CDATA[<p>One of the problems with this approach (i.e. expecting something in return for leads) is that any good broker probably has enough business as it is. They normally wouldn&#039;t be willing to pay for more business because they don&#039;t need to. However, a lesser broker might not be as busy and will be attracted to your offer. Therefore, my advice is to&hellip;<span class="activity-read-more" id="activity-read-more-45019"><a href="https://www.propertyinvesting.com/topic/4391687-looking-for-ip-savvy-brokers-in-melb-willing-to-offer-something-eg-commission-or-trade-for-leads/#post-4578785" rel="nofollow">[Read more]</a></span></p>
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				<title>Stuart Wemyss replied to the topic Can I use more than 1 broker? in the forum I think you can speak to two</title>
				<link>https://www.propertyinvesting.com/topic/4391270-can-i-use-more-than-1-broker/#post-4576481</link>
				<pubDate>Sat, 27 Oct 2007 03:46:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>I think you can speak to two or more brokers but the only thing I think is reasonable to expect is that you are open with them. Tell them that you are seeking other opinions. Most brokers will appreciate your honesty and they can then decide if they want to spend the time helping you. As a broker myself, that&#039;s all I would expect. </p>
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				<title>Stuart Wemyss replied to the topic Can u release equity when serviceability is maxed. in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4391074-can-u-release-equity-when-serviceability-is-maxed/#post-4575550</link>
				<pubDate>Fri, 26 Oct 2007 10:48:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>It might seem like an unpopular comment but what happened to borrowing withing your capacity? If you have declared your true income and no lender will approve the loan then perhaps you shouldn&#039;t be borrowing more. A no doc might be a solution but is it the right thing to do? I wouldn&#039;t think so. </p>
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				<title>Stuart Wemyss replied to the topic X Collateralising in the forum Maybe a poor choice of words</title>
				<link>https://www.propertyinvesting.com/topic/4388905-x-collateralising/page/2/#post-4564331</link>
				<pubDate>Sun, 15 Jul 2007 07:44:20 +0000</pubDate>

									<content:encoded><![CDATA[<p>Maybe a poor choice of words but I find it offencive to suggest I am wrong on this point. I take pride in my work! Some lenders will waive valuation cost but there are plenty that will not. Consider the example where you might have five properties. It will cost the lender more than $1,000 in out of pocket expenses to value these properties. Mange&hellip;<span class="activity-read-more" id="activity-read-more-286679"><a href="https://www.propertyinvesting.com/topic/4388905-x-collateralising/page/2/#post-4564331" rel="nofollow">[Read more]</a></span></p>
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				<title>Stuart Wemyss replied to the topic X Collateralising in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4388905-x-collateralising/#post-4564329</link>
				<pubDate>Fri, 13 Jul 2007 12:55:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>Can I shamelessly plug one of my articles in API on this very topic???See <a href="http://www.prosolution.com.au/articles/x-sec.pdf" rel="nofollow">http://www.prosolution.com.au/articles/x-sec.pdf</a> </p>
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				<title>Stuart Wemyss replied to the topic properties less than 50sqm in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4387272-properties-less-than-50sqm/#post-4556770</link>
				<pubDate>Sat, 11 Nov 2006 10:42:42 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Linar</p>
<p>Its been a while since I have answered a question here&#8230;</p>
<p>There are a few lenders that will do this. I know that NAB will consider it. St George will probably do it as well. There are a few. However, you have to have the knowledge to consider the lenders products, policies, etc.</p>
<p>Why don&#8217;t you contact a broker? It will save you a lot of&hellip;<span class="activity-read-more" id="activity-read-more-111486"><a href="https://www.propertyinvesting.com/topic/4387272-properties-less-than-50sqm/#post-4556770" rel="nofollow">[Read more]</a></span></p>
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				<title>Stuart Wemyss replied to the topic Based overseas, need mortgage broker in Sydney in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4385896-based-overseas-need-mortgage-broker-in-sydney/#post-4550417</link>
				<pubDate>Sat, 24 Jun 2006 00:39:56 +0000</pubDate>

									<content:encoded><![CDATA[<p>Hi Anson</p>
<p>Terry is a great broker! I would highly recomend him. He is also an experienced investor.</p>
<p>Cheers</p>
<p>Stu</p>
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				<title>Stuart Wemyss replied to the topic Whats the go with valuations  man! in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4385747-whats-the-go-with-valuations-man/#post-4549641</link>
				<pubDate>Sat, 17 Jun 2006 05:04:03 +0000</pubDate>

									<content:encoded><![CDATA[<p>NAB will do internal inspections for loans that require mortgage insurance (as do many other lenders). Therefore, just tell the bank that you want to borrow 90%. When the full valuation comes back, adjust the loan amount down to 80% to avoid mortgage insurance. You could also provide the bank with a listing of what renovations were undertake and&hellip;<span class="activity-read-more" id="activity-read-more-218101"><a href="https://www.propertyinvesting.com/topic/4385747-whats-the-go-with-valuations-man/#post-4549641" rel="nofollow">[Read more]</a></span></p>
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				<title>Stuart Wemyss replied to the topic What are my options? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4385250-what-are-my-options/#post-4546389</link>
				<pubDate>Sat, 29 Apr 2006 03:17:26 +0000</pubDate>

									<content:encoded><![CDATA[<p>WHY WOULD YOU ADMIT TO COMMITTING TAX FRUAD (AND SUBSEQUENTLY SUGGEST YOUR FAMILY&#8217;S BUSINESS IS ALSO COMMITTING FRUAD) IN A PUBLIC ENVIRONMENT???  (I am referring to you getting paid cash-in-hand). I am not naive to think that it doesnâ€™t happen but you certainly wouldnâ€™t public advertise the fact. Honest people end up paying more tax because o&hellip;<span class="activity-read-more" id="activity-read-more-191830"><a href="https://www.propertyinvesting.com/topic/4385250-what-are-my-options/#post-4546389" rel="nofollow">[Read more]</a></span></p>
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				<title>Stuart Wemyss replied to the topic Extra Repayments Calculator in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4385072-extra-repayments-calculator/#post-4545373</link>
				<pubDate>Thu, 13 Apr 2006 09:43:25 +0000</pubDate>

									<content:encoded><![CDATA[<p>No calculators that I know of.</p>
<p>I did a quick spreadsheet and if you repay $200 extra every month for the 1st 5 years only then you&#8217;ll repay the loan in 25.7 years (308 months). That is, you will repay 4.3 years early and save $58,142. Go for it!</p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">56fb5a2878ad22e67d946f2f79f43f1c</guid>
				<title>Stuart Wemyss replied to the topic Mortgage Brokers h e l p . . . . in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4384908-mortgage-brokers-h-e-l-p/#post-4544476</link>
				<pubDate>Fri, 31 Mar 2006 03:32:27 +0000</pubDate>

									<content:encoded><![CDATA[<p>You might want to check out NAB. They will normally do up to 6 dwellings/units on one title @ 80% @ residential rates. They like it of all are currently tenanted.</p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">6d4be3908a767c1b31e073069ca3d706</guid>
				<title>Stuart Wemyss replied to the topic Power of ASIC? in the forum Opinionated!</title>
				<link>https://www.propertyinvesting.com/topic/4384402-power-of-asic/#post-4541600</link>
				<pubDate>Mon, 06 Mar 2006 12:03:04 +0000</pubDate>

									<content:encoded><![CDATA[<p>the whole experience really opened my eyes to how uneducated, naive and gullible the mortage broking community actually is.</p>
<p>As a mortgage broker, I take offence to this Nat. I too openly disbelieved what they had to offer but that doesn&#8217;t necessarily make me smarter than the next guy. Generalisations don&#8217;t do anyone any favours.</p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">ebd4b136797047bb410c48a941914228</guid>
				<title>Stuart Wemyss replied to the topic Master Facility (MF) in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4384558-master-facility-mf/#post-4542809</link>
				<pubDate>Mon, 06 Mar 2006 11:52:54 +0000</pubDate>

									<content:encoded><![CDATA[<p>I am probably to blame for the MF terminology. I used it in my article: <a href="http://www.prosolution.com.au/articles/structure.pdf" rel="nofollow">http://www.prosolution.com.au/articles/structure.pdf</a></p>
<p><b>How does one borrow the deposit fro the MF from the bank to use as cashdown?</b><br />
You establish a new loan against a security (property).<br />
<b>What do you tell the bank you need the money for?</b><br />
Future investing to purchase more property.<br />
<b>Do&hellip;</b><span class="activity-read-more" id="activity-read-more-31240"><a href="https://www.propertyinvesting.com/topic/4384558-master-facility-mf/#post-4542809" rel="nofollow">[Read more]</a></span></p>
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				<guid isPermaLink="false">e74d139abd77e384916b2b7c60d2d305</guid>
				<title>Stuart Wemyss replied to the topic Westpac - 85% - No LMI in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4384194-westpac-85-no-lmi/#post-4540737</link>
				<pubDate>Tue, 14 Feb 2006 08:58:04 +0000</pubDate>

									<content:encoded><![CDATA[<p>Yes, I am being told its a few weeks away.</p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">13594f80f2ddb0eb88066d6084ce39b7</guid>
				<title>Stuart Wemyss replied to the topic How to set up loans for multiple properties ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4384260-how-to-set-up-loans-for-multiple-properties/#post-4540974</link>
				<pubDate>Sat, 11 Feb 2006 14:57:10 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks for the feedback. Glad they helped. I have written many more articles and newsletters&#8230;</p>
<p>See <a href="http://www.prosolution.com.au/free_articles/articles.php" rel="nofollow">http://www.prosolution.com.au/free_articles/articles.php</a></p>
<p>Cheers</p>
<p>Stu</p>
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				<title>Stuart Wemyss replied to the topic How to set up loans for multiple properties ? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4384260-how-to-set-up-loans-for-multiple-properties/#post-4540968</link>
				<pubDate>Sat, 11 Feb 2006 03:49:22 +0000</pubDate>

									<content:encoded><![CDATA[<p>I have written a few articles on this topic. You can download them:<br />
1. <a href="http://www.prosolution.com.au/articles/structure.pdf" rel="nofollow">http://www.prosolution.com.au/articles/structure.pdf</a><br />
2. <a href="http://www.prosolution.com.au/articles/structure2.pdf" rel="nofollow">http://www.prosolution.com.au/articles/structure2.pdf</a><br />
3. <a href="http://www.prosolution.com.au/articles/structure3.pdf" rel="nofollow">http://www.prosolution.com.au/articles/structure3.pdf</a></p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">e1558f5c13194e12e659731470b9b769</guid>
				<title>Stuart Wemyss replied to the topic Finance Question in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4384045-finance-question-2/#post-4539946</link>
				<pubDate>Sat, 28 Jan 2006 09:14:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>Many lenders have caps on personal loans One way around it is to apply for two personal loans for $35k each. A business loan&#8217;s an option but personal loans would probably cost the same but will be easier to get.</p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">d96058f1fb1e8ec790f49f5f4fcb2f2d</guid>
				<title>Stuart Wemyss replied to the topic 95% vs 80% in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4383745-95-vs-80/#post-4538390</link>
				<pubDate>Wed, 11 Jan 2006 03:44:48 +0000</pubDate>

									<content:encoded><![CDATA[<p>I am pleased you enjoyed the article John. I have employed this strategy personal also. Makes sense to me if you are a long term investor.</p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">fe43f9f77f312f704e25feebd4eefc3a</guid>
				<title>Stuart Wemyss replied to the topic 95% vs 80% in the forum No Subject</title>
				<link>https://www.propertyinvesting.com/topic/4383745-95-vs-80/#post-4538387</link>
				<pubDate>Sun, 08 Jan 2006 07:39:08 +0000</pubDate>

									<content:encoded><![CDATA[<p>I have written an article about borrowing more than 80% for API.</p>
<p>See <a href="http://www.prosolution.com.au/articles/gear.pdf" rel="nofollow">http://www.prosolution.com.au/articles/gear.pdf</a></p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">53bd2720b681721e1af37977d3b4ab82</guid>
				<title>Stuart Wemyss replied to the topic Tax implications for cross collatorized security? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4383416-tax-implications-for-cross-collatorized-security-2/#post-4536678</link>
				<pubDate>Fri, 02 Dec 2005 13:06:11 +0000</pubDate>

									<content:encoded><![CDATA[<p>I agree with Richard. Sounds like a lazy banker!</p>
<p>Cheers</p>
<p>Stu</p>
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				<title>Stuart Wemyss replied to the topic LMI Refund in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4383119-lmi-refund-6/#post-4534937</link>
				<pubDate>Wed, 09 Nov 2005 10:02:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>What bank is it?</p>
<p>Most banks will actually want you to refinance to another lender before giving the refund. Stupid, I know but thats their policy.</p>
<p>Cheers</p>
<p>Stu</p>
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				<title>Stuart Wemyss replied to the topic max lvr on commercial building in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4382962-max-lvr-on-commercial-building/#post-4534151</link>
				<pubDate>Mon, 31 Oct 2005 10:42:10 +0000</pubDate>

									<content:encoded><![CDATA[<p><a href="https://www.propertyinvesting.com/forum/topic/20444.html" rel="nofollow">https://www.propertyinvesting.com/forum/topic/20444.html</a></p>
<p>Cheers</p>
<p>Stu</p>
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				<title>Stuart Wemyss replied to the topic Unit complexes and your LVR in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4382928-unit-complexes-and-your-lvr/#post-4534002</link>
				<pubDate>Sun, 30 Oct 2005 04:06:29 +0000</pubDate>

									<content:encoded><![CDATA[<p>This is a really common experience. Bank staff rarely know their own products or policies. Sometimes they say &#8216;yes&#8217; and then you lodge an application and then they say &#8216;no&#8217;. Should you expect more? Of course. Will you find a lender that always knows the answers? Unlikely. Why wouldn&#8217;t you speak with a broker? A good broker will be able to give you&hellip;<span class="activity-read-more" id="activity-read-more-278743"><a href="https://www.propertyinvesting.com/topic/4382928-unit-complexes-and-your-lvr/#post-4534002" rel="nofollow">[Read more]</a></span></p>
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				<guid isPermaLink="false">46ed5301aa6cb009bca89318c9bfc7ca</guid>
				<title>Stuart Wemyss replied to the topic Commercial Financing in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4382882-commercial-financing/#post-4533687</link>
				<pubDate>Wed, 26 Oct 2005 03:02:37 +0000</pubDate>

									<content:encoded><![CDATA[<p>These guys will do up to 85% for commercial &#8211; <a href="http://www.globalcapital.com.au/Products/Property/Term%20Loans/High%20LVR.html" rel="nofollow">http://www.globalcapital.com.au/Products/Property/Term%20Loans/High%20LVR.html</a></p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">2fa4ea0711e6bd1ea4bd104a6385f17d</guid>
				<title>Stuart Wemyss replied to the topic "Bonus" counted as income? in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4382621-bonus-counted-as-income/#post-4532165</link>
				<pubDate>Mon, 10 Oct 2005 01:17:40 +0000</pubDate>

									<content:encoded><![CDATA[<p>Some lenders will take this into account&#8230; you would have to have two year history to support future bonuses. e.g. if you have received a $10k bonus every year for the last 3 years then its likely that they will include this income.</p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">42de35ef0757613b4b71ebb210f59d79</guid>
				<title>Stuart Wemyss replied to the topic How to structure investment loans in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4382459-how-to-structure-investment-loans/#post-4531199</link>
				<pubDate>Thu, 29 Sep 2005 22:34:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>Vinny, there are unprofessional people in every field. This mortgage broker obviously has no idea. It&#8217;s up to the industry to lift the bar. There are some good brokers on this site so if you are ever going to speak with a broker I would call one from this site. Terry, Simon (Mortgage Hunter) and Steven (Mobile Mortgage) are long time contributors&hellip;<span class="activity-read-more" id="activity-read-more-25268"><a href="https://www.propertyinvesting.com/topic/4382459-how-to-structure-investment-loans/#post-4531199" rel="nofollow">[Read more]</a></span></p>
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				<guid isPermaLink="false">2b005c9b54e9d91c37009547bc39e969</guid>
				<title>Stuart Wemyss replied to the topic Interest caps floors and collars in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4382383-interest-caps-floors-and-collars/#post-4530679</link>
				<pubDate>Sat, 24 Sep 2005 00:15:08 +0000</pubDate>

									<content:encoded><![CDATA[<p>C2, Can you explain how you might be able to use these for property investment at a retail level?</p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">3a4173913f1270d746357d7b6959fd36</guid>
				<title>Stuart Wemyss replied to the topic getting a loan for 5.5 million in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4382375-getting-a-loan-for-5-5-million/#post-4530611</link>
				<pubDate>Fri, 23 Sep 2005 02:34:05 +0000</pubDate>

									<content:encoded><![CDATA[<p>Welcome to the forum Nehal.</p>
<p>Firstly, you would have to have enough income to service the loan.</p>
<p>Secondly, the LVR would be restricted to 70%/75% depending on the security (therefore, total property worth at least $7.4 million).</p>
<p>Maybe provide more details. You are more likely to get better quality answers.</p>
<p>Cheers</p>
<p>Stu</p>
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				<guid isPermaLink="false">d392983a61487e88f16be55bf91b1863</guid>
				<title>Stuart Wemyss replied to the topic trust advantages in the forum Finance</title>
				<link>https://www.propertyinvesting.com/topic/4382208-trust-advantages-2/#post-4529456</link>
				<pubDate>Fri, 23 Sep 2005 02:30:05 +0000</pubDate>

									<content:encoded><![CDATA[<p>Thanks for the feedback jhopper.</p>
<p>Link doesn&#8217;t work because there&#8217;s a full stop behind it.</p>
<p>Try: <a href="http://www.prosolution.com.au/articles/structure3.pdf" rel="nofollow">http://www.prosolution.com.au/articles/structure3.pdf</a></p>
<p>More articles at: <a href="http://www.prosolution.com.au/free_articles/articles.php" rel="nofollow">http://www.prosolution.com.au/free_articles/articles.php</a></p>
<p>Cheers</p>
<p>Stu</p>
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