https://www.propertyinvesting.com/members/tarek-baytieh/activity/ Activity feed for Tarek Baytieh. Wed, 08 Apr 2026 01:09:58 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 27952fa3dc3730c3517edffa133348b3 https://www.propertyinvesting.com/topic/4405559-loan-structure-for-1st-i-p/#post-4661608 Fri, 13 Jan 2012 01:24:28 +0000 Thanks Midsomer – i'm known for being pedantic so was just making sure that while it may have appeared obvious, i was just clarifying that this in fact was the case – especially given the discussion around cross-collateralisation… Thanks Tige – all good in that regard then!In relation to the Agreement, i would always recommend formal Legal…[Read more]

]]> 2a665fcce4e425e4bfc62e8a3a983f11 https://www.propertyinvesting.com/topic/4405559-loan-structure-for-1st-i-p/#post-4661606 Fri, 13 Jan 2012 01:20:24 +0000 Oh, and just in addition to this…Loan A = PPOR (joint names), Loan B = using equity from PPOR to pay for purchasing costs (in fiancees name)Loan B cannot be just in Fiancee's name if secured by PPOR that is in 'Joint' names… Loan B must also be in 'Joint' names unless Tige acts as a 'Security Guarantor' for Loan B…Take…[Read more]

]]> 1e7651749daaa713a9bf8c25c30a4e63 https://www.propertyinvesting.com/topic/4405559-loan-structure-for-1st-i-p/#post-4661603 Fri, 13 Jan 2012 01:15:34 +0000 Thanks Jamie…  Please explain which part confused?  Perhaps it was just the lack of terminology used…Tige specified the need to 'Borrow the full purchase price plus costs & NOT to use any of our personal savings' yes?  ANDTo keep the properties from being cross collaterised, Loan A = PPOR (joint names), Loan B = using equity from PPOR to pa…[Read more]

]]> 7fc3211329d7218b885cfee85ceb1d53 https://www.propertyinvesting.com/topic/4405598-loc-from-cross-collateralized-loan/#post-4661804 Fri, 13 Jan 2012 01:00:45 +0000 Hi w8Couple of things here…1:  Are you sure you have a full understanding of the '6 year' rule re CGT?  If not please make sure you have your accountant explain thoroughly as it is not a simple 'rule'.2:  I would do what Richard has suggested and clean it up now ie make your properties stand alone if that's what you really desire.  In saying tha…[Read more]

]]> 18045d631e65a70d9155eba88ac61f08 https://www.propertyinvesting.com/topic/4405530-my-sister-is-getting-a-loan-decision-time-fixed-or-variable/#post-4661403 Thu, 12 Jan 2012 05:13:51 +0000 1) Anz 95% lvr requires the borrowing to have held a retail lending product with the Bank for at least 6 months and it is 95% less LMI.Richard, ANZ cap LMI to 92/97% respectively…AVRANJES: She could always consider splitting her Home Loan to a 50/50 split or similiar.  I would leave a portion as Variable to allow for additional repayments that…[Read more]

]]> a0f800d07a6a70b13d6c378658890e7f https://www.propertyinvesting.com/topic/4405559-loan-structure-for-1st-i-p/#post-4661599 Thu, 12 Jan 2012 05:04:30 +0000 Hi TigerTo keep the properties from being cross collaterised, Loan A = PPOR (joint names), Loan B = using equity from PPOR to pay for purchasing costs (in fiancees name) , Loan C = new loan to cover the cost of the house (in fiancees name). (Does it matter if loans A-C are with the same bank?)Let's just clarify… you wish to borrow 100% + costs…[Read more]

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