PropertyInvesting.com | ume | Activity https://www.propertyinvesting.com/members/ume/activity/ Activity feed for ume. Sun, 12 Apr 2026 16:50:54 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 c83b448eba125b19de226757282e9442 ume replied to the topic lo doc LVR above 80% anyone? in the forum Help Needed! https://www.propertyinvesting.com/topic/4392372-lo-doc-lvr-above-80-anyone/#post-4583049 Mon, 18 Feb 2008 13:53:01 +0000 hi Richard, it'll be situated near the city probably around 10mins drive. it'll be a semi most likely. would the 90% attract a much higher interest than norm and less flexibility?

]]> 88b504730765553fe3a20e215944ff62 ume replied to the topic Only 17, where do i start ? in the forum well i speak from no https://www.propertyinvesting.com/topic/4391728-only-17-where-do-i-start/page/2/#post-4579006 Sat, 16 Feb 2008 11:00:14 +0000 well i speak from no experience of my own, im 20 and just about to get into this property game, but from what i gathered. say u have 20k of ur own, u set up a trust with u as the trustee and one of the beneficiaries (need another beneficiary if ur to be both trustee and b.) then u put ur 20k into the trust from which the trust then buys the IP…[Read more]

]]> db329dcb9e5f4133d0bf6403f4f5e329 ume replied to the topic fhbgs in the forum Help Needed! https://www.propertyinvesting.com/topic/4392345-fhbgs/#post-4582898 Sat, 16 Feb 2008 06:50:49 +0000 sorry linar, i meant, would i be entitled to fhog when i purchase my principal home in the future if i buy an IP now through a trust.

]]> 19e6388bc7bd1559a2031e730ce36540 ume replied to the topic fhbgs in the forum Help Needed! https://www.propertyinvesting.com/topic/4392345-fhbgs/#post-4582895 Sat, 16 Feb 2008 00:37:33 +0000 nsw most likely

]]> 94bac1cd6ce42d4fb095d1a1263111de ume replied to the topic Only 17, where do i start ? in the forum Help Needed! https://www.propertyinvesting.com/topic/4391728-only-17-where-do-i-start/page/2/#post-4579004 Fri, 15 Feb 2008 10:42:02 +0000 hi wdemirdonder, u asked earlier whether your mum could buy the property first then later transfer it to you so u'll still be entitled to the fhbg. its all smooth sailing until the transfer part, if u did it like that then you would have to pay stamp duty and possible CGT. im still learning too but i think if you initially set up a trust and ur…[Read more]

]]> 4b5477a296cc5979ae67e3ed6e400e48 ume replied to the topic Some advice please in the forum Help Needed! https://www.propertyinvesting.com/topic/4391770-some-advice-please-2/#post-4579260 Tue, 05 Feb 2008 13:40:38 +0000 SteveMcKnight wrote:
companies don't get access to the CGT discount,

what if if you have the company as the trustee of a trust, would u get CGT discount then or am i totally off track here?

]]> 81f31dc18cfb2bc3bed6b08f8b204896 ume replied to the topic recession + property = ??? in the forum General Property https://www.propertyinvesting.com/topic/4392199-recession-property/#post-4582204 Tue, 05 Feb 2008 09:38:27 +0000 lol now we're on the same page.

]]> 734a9083c95eef852776d5fd964654c0 ume replied to the topic recession + property = ??? in the forum General Property https://www.propertyinvesting.com/topic/4392199-recession-property/#post-4582202 Tue, 05 Feb 2008 06:48:37 +0000 education gives us options, the more educated u r, the more options u'll have. as opposed to ppl say 100 years ago, education for the middle or poor class was near impossible to obtain the level we have now. people are more educated now, our living standard is way better, general well being is better, life expectancy is higher…. so whats ur…[Read more]

]]> 3e855a2561926fa4dcac2eb240250f98 ume replied to the topic recession + property = ??? in the forum General Property https://www.propertyinvesting.com/topic/4392199-recession-property/#post-4582200 Tue, 05 Feb 2008 03:58:45 +0000 blogs wrote:

ume wrote:
it mite be very well true, but the situation is different to the 80s, ppl are more educated now, more financially stable and government interventions are more effective so to speak. well thats only my opinion anyway

People are more educated now?? This would have to be one of the more frightful comments-thanks to the…[Read more]

]]> 2bcf0a7b69e74aabf1bd7db9a5883f57 ume replied to the topic recession + property = ??? in the forum General Property https://www.propertyinvesting.com/topic/4392199-recession-property/#post-4582197 Tue, 05 Feb 2008 02:31:00 +0000 i tend to agree with milly, that recession is short lived and if we have the capital to pull through this, then this should be a profitable period for us investors with the bargains to be found.

]]> a84f56c3be5d393996a7729cb9162ad6 ume replied to the topic recession + property = ??? in the forum General Property https://www.propertyinvesting.com/topic/4392199-recession-property/#post-4582196 Tue, 05 Feb 2008 02:29:31 +0000 it mite be very well true, but the situation is different to the 80s, ppl are more educated now, more financially stable and government interventions are more effective so to speak. well thats only my opinion anyway

]]> d4a2253f290eb95adafcc9ab0815085c ume replied to the topic to change or not to change? in the forum Value Adding https://www.propertyinvesting.com/topic/4392144-to-change-or-not-to-change/#post-4581838 Fri, 01 Feb 2008 13:18:47 +0000 point taken yarpos, perhaps it is better to leave the 4 separate cubicals alone, it just wont be very pleasing to the eyes, will try to do what i can. As to the reason why i want to extend family room to the left is because right now the family room, lounge, and dining room mite be a good size when all added up but by themselves, it makes the…[Read more]

]]> 8eeef7007e99dd06c9d03f5f646f3e08 ume replied to the topic student accom. apartments in the forum Finance https://www.propertyinvesting.com/topic/4392069-student-accom-apartments/page/2/#post-4581453 Fri, 25 Jan 2008 01:42:05 +0000 hey blaze, in ur excel calculations the figures you've assumed is a bit bias towards renting :P if you were to invest in growth properties ideally the average growth p.a. is 10% at least.. whilst the rental returns in ur calculations are pretty much as good as it gets. nonetheless it clearly shows the tieing up of cashflow for capital gains.

]]> d50b55be8f17fc41b8aa457948b88f64 ume replied to the topic student accom. apartments in the forum Finance https://www.propertyinvesting.com/topic/4392069-student-accom-apartments/#post-4581450 Fri, 25 Jan 2008 01:07:31 +0000 approved **

]]> 94895b9b460f350e8830bb0272a6ba23 ume replied to the topic student accom. apartments in the forum Finance https://www.propertyinvesting.com/topic/4392069-student-accom-apartments/#post-4581449 Fri, 25 Jan 2008 01:05:03 +0000 hey blaze, how many LVR% were u approached for? and how much expenses are you paying if you dont mind me asking? :)

]]> c34f9a7b0d9521719056f6f8648b4892 ume replied to the topic student accom. apartments in the forum Finance https://www.propertyinvesting.com/topic/4392069-student-accom-apartments/#post-4581446 Thu, 24 Jan 2008 12:36:45 +0000 thanks for the warning vstar. i suspected much but wasnt entirely aware of the rules and regulations there. obviously u sounded VERY distressed and i dont blame you, i stayed at a hotel once and yes you could hear next door snoring, and its a nightmare cant imagine it 24 hours 365 days a year. i was going to check it out in person and try to find…[Read more]

]]> 5835da9de9e20d522dba4e181b46c521 ume replied to the topic student accom. apartments in the forum Finance https://www.propertyinvesting.com/topic/4392069-student-accom-apartments/#post-4581443 Thu, 24 Jan 2008 11:54:09 +0000 oooo your good vstar, yeah i am considering unilodge at broadway. i am aware they're harder to sell but dont really know any other pitfalls, if you could please enlighten me. thanks

]]> 687f11e7d8c87a0c9d1918e9487e6fe1 ume replied to the topic student accom. apartments in the forum Finance https://www.propertyinvesting.com/topic/4392069-student-accom-apartments/#post-4581441 Thu, 24 Jan 2008 11:35:27 +0000 hi Vstar, i am indeed thinking of purchasing. mainly so i have somewhere to live in sydney and it'll be close for me to uni. and i suppose an ip after i graduate.

]]> a9a73de9cd2fca0cac40898e5e858c37 ume replied to the topic student accom. apartments in the forum Finance https://www.propertyinvesting.com/topic/4392069-student-accom-apartments/#post-4581439 Thu, 24 Jan 2008 11:10:02 +0000 lol the second post is a lot more soothing to hear. thanks richard

]]> 01a209177f9d88b909af12e8d2fd1a1d ume replied to the topic student accom. apartments in the forum Finance https://www.propertyinvesting.com/topic/4392069-student-accom-apartments/#post-4581436 Thu, 24 Jan 2008 10:43:07 +0000 say around 45sqm and a student accom. apartment, what would the LVR be for that Richard?

]]> 0a603fa98b24160929e1a374a510431a ume replied to the topic lo doc first property in the forum Finance https://www.propertyinvesting.com/topic/4392010-lo-doc-first-property/#post-4581098 Sat, 19 Jan 2008 13:27:51 +0000 hey richard, why the io loan and 100% offset? to get more cashflow?

]]> ab968e58dbf6c3c7f3ed664fca4980a6 ume replied to the topic advice on peak oil and how it will effect investing . in the forum NorwegianBlue wrote: I've https://www.propertyinvesting.com/topic/4391582-advice-on-peak-oil-and-how-it-will-effect-investing/page/2/#post-4578177 Sat, 19 Jan 2008 01:51:18 +0000 NorwegianBlue wrote:
I've survived the following end-of-the-world scares; Nuclear Winter Global Cooling Mass Starvation Acid Rain Y2K SARS Global WarmingI expect to survive Climate Change and Peak Oil as well.

lol

]]> fd86dae517d03939b86c23da269d5139 ume replied to the topic inner city apartments in the forum and would i be too greedy if https://www.propertyinvesting.com/topic/4392013-inner-city-apartments-2/#post-4581117 Sat, 19 Jan 2008 01:48:16 +0000 and would i be too greedy if i hoped for a 90% LVR?

]]> 1e54840e9c2a372df05d95a73f9aed5f ume replied to the topic lo doc first property in the forum Finance https://www.propertyinvesting.com/topic/4392010-lo-doc-first-property/#post-4581096 Sat, 19 Jan 2008 01:42:11 +0000 thanks for the response. yeah its for PPoR and IP in the future.  my plan was to buy an apartment in inner city and rent out a room and it'll be much more convenient for me to travel to uni. i dont know how true this is but it seems the general belief is sydney has recovered from its slump and ready for another rise. but i'll definitely do more…[Read more]

]]> d0174ad37db0cb4e419ab6750c0c2540 ume replied to the topic Need better understanding of how equity works in the forum Help Needed! https://www.propertyinvesting.com/topic/4391993-need-better-understanding-of-how-equity-works/#post-4581028 Fri, 18 Jan 2008 13:07:19 +0000 so does that mean if i take a 80% LVR loan then i have no access to the 20% i inititually put in? unless i get the property re evaluated later down the track?

]]> f333cd45b9371e5bc2b4778b84d4d1ee ume replied to the topic how did Steve McNight finance his properties? in the forum Finance https://www.propertyinvesting.com/topic/4391955-how-did-steve-mcnight-finance-his-properties/#post-4580791 Thu, 17 Jan 2008 14:17:08 +0000 and i second madproperty that criticising someone on their success is just low… rather do something productive and positive! true that the methods mentioned in steve's book might not work/work as well in today's property markets but its not the actual method step by step u want to copy, more or rather its the way of thinking and the foresight…[Read more]

]]> 1f027823c2ff272ff3826f5a413725ff ume replied to the topic how did Steve McNight finance his properties? in the forum Finance https://www.propertyinvesting.com/topic/4391955-how-did-steve-mcnight-finance-his-properties/#post-4580790 Thu, 17 Jan 2008 14:10:52 +0000 hey all, just following on from mikeking's question on the benefits of trust, what about incorporating say using a Ltd. company structure, wouldn't that have more flexibility than the trust structure and at the same time giving you more control if ur the sole director?

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