PropertyInvesting.com | tlgsydney | Activity https://www.propertyinvesting.com/members/tlgerdes/activity/ Activity feed for tlgsydney. Sun, 03 May 2026 11:26:39 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 6bd965f94edbb5d4d17f13e83a4576b8 tlgsydney replied to the topic Determining +ve and -ve gearing in the forum Help Needed! https://www.propertyinvesting.com/topic/4999338-determining-ve-and-ve-gearing/#post-4999344 Fri, 16 Jan 2015 06:35:16 +0000 Thanks Richard

]]> 67feb8ec62581deb5f8df14f901c7897 tlgsydney started the topic Determining +ve and -ve gearing in the forum Help Needed! https://www.propertyinvesting.com/topic/4999338-determining-ve-and-ve-gearing/ Fri, 16 Jan 2015 06:09:17 +0000 Hi,

Just want consensus on determining +ve gearing versus -ve gearing, in general?

If you are paying a PI loan is your capital repayment counted as a “cost” when determining gearing as opposed to essentialliy forced saving. Now I know that I cant claim the capital repayment component, just trying to get it straight in my head about is an…[Read more]

]]> 6dc44ff6232903f19867c531e4bb8a13 tlgsydney replied to the topic Advice on loan/security structure in the forum Help Needed! https://www.propertyinvesting.com/topic/4998414-advice-on-loansecurity-structure/#post-4999268 Wed, 14 Jan 2015 01:10:01 +0000 Sorry, I may be miss understanding the cross securities thing a little in this case. I thought using the first set of properties as part security (10% cash, 10% property security against existing) the 2nd IPs was “crossing”?

This is just to avoid LMI.

]]> 11099e65ac467d50819c6e3914a4ab11 tlgsydney replied to the topic Advice on loan/security structure in the forum Help Needed! https://www.propertyinvesting.com/topic/4998414-advice-on-loansecurity-structure/#post-4999260 Tue, 13 Jan 2015 23:39:55 +0000 OK, undertand where you are now. That comes back to a choice of A, B, C from the first question.

Do I buy 1 at 80% (+ve G) or 2 at 90% (-ve G)? Then 2nd question on 2 IPs, is do you pay LMI on 90% or cross it with other IPs to not pay LMI?

]]> 3b8145738b48a9337fda4a97dee9a09b tlgsydney replied to the topic Advice on loan/security structure in the forum Help Needed! https://www.propertyinvesting.com/topic/4998414-advice-on-loansecurity-structure/#post-4999256 Tue, 13 Jan 2015 23:05:53 +0000 Thanks again Richard.

The new IPs would likely be -ve geared and offset against the +ve geared current IPs. As IPs become +ve we would look to expand portfolio and -ve something to offset any +ve. One goal, to have a self sustaining growth.

Yes, trusts etc are something we are considering. Still waiting to meet with our acct to discuss. Current…[Read more]

]]> 4fe7fbafe2d88c4a54505d23b40416a4 tlgsydney replied to the topic Advice on loan/security structure in the forum Help Needed! https://www.propertyinvesting.com/topic/4998414-advice-on-loansecurity-structure/#post-4998419 Tue, 13 Jan 2015 22:25:27 +0000 Thanks Richard.

Our PPOR is effectively paid off 160k owing, 160k in offset. This is just a risk/opportunity/comfort decision. On top of this I have another 80k free.

]]> d8d7274e32e460f62696d17da26af85c tlgsydney started the topic Advice on loan/security structure in the forum Help Needed! https://www.propertyinvesting.com/topic/4998414-advice-on-loansecurity-structure/ Tue, 13 Jan 2015 21:43:47 +0000 Hi All,

This one is about choices and the pros and cons.

Background
PPOR owned outright, mortgage still active but 100% offset. Property value around 1.5m, mortgage value 160k.
IPs 2 small studios, generating $5k p/a total of +cashflow (these are currently crossed), IO mortgage against them for about 60% of value 450k (this will revert to PI in…[Read more]

]]> d240cb6870dee7828d08e628ef9b7c14 tlgsydney's profile was updated https://www.propertyinvesting.com/activity/p/304664/ Tue, 13 Jan 2015 21:26:15 +0000 0c77210222c33f1ff5747f087cb7da56 tlgsydney became a registered member https://www.propertyinvesting.com/activity/p/304320/ Sat, 10 Jan 2015 22:51:00 +0000