PropertyInvesting.com | Your Broker | Activity https://www.propertyinvesting.com/members/your-broker/activity/ Activity feed for Your Broker. Sun, 12 Apr 2026 11:53:40 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 186739629625df6e5aaceb66a37b65a2 Your Broker replied to the topic property developing and equity in the forum Finance https://www.propertyinvesting.com/topic/4410534-property-developing-and-equity/#post-4698311 Mon, 20 Jan 2014 22:49:11 +0000 You mention that you have a house on the back of the place you subdivided but don't mention any debt against that do you have finance against that property?  How much? When do you expect that to be complete?

Dustin McMahon
dustin@yourbroker
0430 110 304

]]> 75066edc990693570a8353528fe2b556 Your Broker replied to the topic Searching for mortgage brokers who pay lenders' trailing fees to borrowers in the forum Help Needed! https://www.propertyinvesting.com/topic/4410072-searching-for-mortgage-brokers-who-pay-lenders-trailing-fees-to-borrowers/#post-4695103 Tue, 01 Oct 2013 11:02:07 +0000 Hi Ozman, as it seems that you would understand a bit about finance and purchasing property.  My best case scenario for my client would be they get, a loan from one of the many lenders out there,  that suits their financial needs now and into the future, I'm sure all other brokers on hear would agree.  For example if you looking for the absolute…[Read more]

]]> cdfd6b97cf3e981f2d52d157154f74b2 Your Broker replied to the topic the use of capital gains in the forum Help Needed! https://www.propertyinvesting.com/topic/4410054-the-use-of-capital-gains/#post-4694985 Tue, 01 Oct 2013 10:45:45 +0000 With your $52k it sounds like it was borrowed against the investment so the bank would want it paid back if the investment was sold.  Depending on if the new property has increased in value at the time you are selling the investment you may be able to keep access to the funds.  Depend on the lender you are with, but also what you are looking to…[Read more]

]]> 66e281483670f7de9c3c0beda229006c Your Broker replied to the topic Converting PPOR to IP and buying 2nd home. Looking for advice. in the forum Help Needed! https://www.propertyinvesting.com/topic/4409783-converting-ppor-to-ip-and-buying-2nd-home-looking-for-advice/#post-4693631 Mon, 29 Jul 2013 05:27:54 +0000 Hi Adam,

With the refinance unfortunately it is not determined by when you redraw the money.

The simplest way to look at it is what the money is used for not what the money is secured against.

eg. it appears from the information you have given you are borrowing an additional $50k against your current property to use on your future PPOR.  As the…[Read more]

]]> 5db616bc125c8494368def8c56c4c30e Your Broker replied to the topic Converting PPOR to IP and buying 2nd home. Looking for advice. in the forum Help Needed! https://www.propertyinvesting.com/topic/4409783-converting-ppor-to-ip-and-buying-2nd-home-looking-for-advice/#post-4693627 Mon, 29 Jul 2013 02:55:24 +0000 Hi Adam

how much is the current loan on your property? It will only be that amount that you can claim on the IP. 

Generally you are better off putting  spare cash in an offset against PPOR.  If you pay down the loan and down the track decide to make that property an investment property you will lose the tax deduction on the repaid…[Read more]

]]> 8cdb99caa9f9cb66c32a8569a7c7c914 Your Broker replied to the topic Normal for Brokers to Charge for Ordering Valuations? in the forum Finance https://www.propertyinvesting.com/topic/4409727-normal-for-brokers-to-charge-for-ordering-valuations/#post-4693377 Fri, 19 Jul 2013 01:48:37 +0000 Terryw wrote:
Must be a non bank lender – these are often best avoided.

I don't think that this is a case of the lender charging for the vals i think it's the broker charging a service fees.  Why do you say non bank lenders are best avoided?  I think they definitely have their place in the market and there are some great products they…[Read more]

]]> 09075a923d52fdf4d052c975ddb2e813 Your Broker replied to the topic Normal for Brokers to Charge for Ordering Valuations? in the forum Finance https://www.propertyinvesting.com/topic/4409727-normal-for-brokers-to-charge-for-ordering-valuations/#post-4693374 Thu, 18 Jul 2013 05:27:09 +0000 Hi Conolly, 

As Jamie said it depend is the broker charging you for his service or is it a case of he is charging as the lender charges for the valuations.  If he is charging to order the vals I think you could find a broker on here who would do just as good a job without looking for a quick cash grab charging for vals.   

Being an ongoing…[Read more]

]]> 99e74d75150a2e33603a1b56fb0d3577 Your Broker replied to the topic Buying a residential property on industrial zoned land?? in the forum Help Needed! https://www.propertyinvesting.com/topic/4408670-buying-a-residential-property-on-industrial-zoned-land/#post-4686075 Fri, 08 Feb 2013 01:31:44 +0000 BUYER BEWARE!!

Basically it is the buyers responsibility to do their own due diligence and make a decision based on that.

I probably wouldn't even go to the extent of getting a lawyer to do a letter.  Contact your conveyancor who attended settlement and discuss it with them.  They will be in the best position to go through your concerns and…[Read more]

]]> c9246fa2e2014c4cf92edf5ad95d69f6 Your Broker replied to the topic first time starting points in the forum Generally you will want to https://www.propertyinvesting.com/topic/4407911-first-time-starting-points/#post-4679466 Fri, 19 Oct 2012 03:11:57 +0000 Generally you will want to have your investment property interest only and work on paying off the debt against your PPOR.  I think you may be getting a bit confused about negative gearing. 

Regardless of whether the investment property is negatively or positively geared you want to pay off your PPOR first.  Your PPOR debt can't be claimed on tax…[Read more]

]]> 7a870b80320c91d1adecae76a5f3ac0d Your Broker replied to the topic Problem Insuring Property in the forum General Property https://www.propertyinvesting.com/topic/4407909-problem-insuring-property/#post-4679462 Fri, 19 Oct 2012 02:56:00 +0000 I use Doug Napier his company is Doug Napier Insurance 0407 772 174, he does an great job.  He's got a couple of tough ones over the line for me.

Dustin McMahon
Your Broker
dustin@yourbroker.net.au | 0430 110 304

]]> 7de978a21ce4be1d262bc9982e6d552c Your Broker replied to the topic SMSF loans for off the plan NRAS apartments in the forum Help Needed! https://www.propertyinvesting.com/topic/4407223-smsf-loans-for-off-the-plan-nras-apartments/#post-4674384 Wed, 25 Jul 2012 05:34:45 +0000 With the mortgage for Off the plan it can be near impossible to get through SMSF.  It's my understanding that this is not just because of the lenders but also because of SMSF compliance.  When purchasing a property in a SMSF you cannot not borrow to improve this property.When you purchase of the plan you essentially purchase the land then lat…[Read more]

]]> 725f6df14c3089f67740844f66c48501 Your Broker replied to the topic Interstate home loan before moving in the forum Finance https://www.propertyinvesting.com/topic/4407133-interstate-home-loan-before-moving/#post-4673876 Tue, 17 Jul 2012 02:41:18 +0000 As Jamie said there are lenders who will take into account permanent employment if you've only been there for 1 day.  So to say whether your better buying prior to moving it is very hard to answer without knowing.  What employment you are moving to?  eg.casual, permanent Is it same industry,  large pay increase/ decrease.  How much equity do you h…[Read more]

]]> ed084b1d21e90c5ab8e9965090b8121a Your Broker replied to the topic Selling my ex PPOR to tenants - advice? in the forum Help Needed! https://www.propertyinvesting.com/topic/4407073-selling-my-ex-ppor-to-tenants-advice/#post-4673372 Thu, 12 Jul 2012 02:27:35 +0000 Ultimately whether you use an agent or not what you sell it for is a negotiation.  I would let the tenants know that the listing price is $449K .  Then  leave it to them to make an offer.  If you get a valuation done yes you are going to get a more conservative value, but accurate that could be questionable the way valuations are coming back at t…[Read more]

]]> 6ac9a048e8f56a1bd56b80d316218f46 Your Broker replied to the topic Thoughts on which way is the best to go to get a loan in the forum Finance https://www.propertyinvesting.com/topic/4407069-thoughts-on-which-way-is-the-best-to-go-to-get-a-loan/#post-4673339 Wed, 11 Jul 2012 03:55:48 +0000 really personal loan to complete 95% purchase???Dustin McMahon0430 110 304dustin.mcmahon@arefg.com.au

]]> d74a446c4a190391871496369f26170a Your Broker replied to the topic purchase with family??? in the forum Help Needed! https://www.propertyinvesting.com/topic/4407024-purchase-with-family/#post-4672976 Wed, 04 Jul 2012 06:24:51 +0000 Depending on how you plan on working deposit and other expenses it may be worth looking at getting a property share loan.  These are two seperate loans set up individually.  This way down the track you are only responsible for the loan you take out over the property, and your sister would be responsible for the loan she takes out over the pro…[Read more]

]]> 37ad72182e53bcb162660680f98c24d7 Your Broker replied to the topic Strategy for build own house and sell for profit in the forum Creative Investing https://www.propertyinvesting.com/topic/4406332-strategy-for-build-own-house-and-sell-for-profit/page/2/#post-4667621 Fri, 29 Jun 2012 02:20:02 +0000 I am one for thinking outside the square when needed.  But if you don't have to why would you.  Ashley you have already said you have significant equity.  DOn't over complicate the finance.  There are lenders that will do good lvr's  to an owner builder with builders licence.  I would go down this path.  no need for fraudulant documents and it&#…[Read more]

]]> 4e5f61abc59e776d21f91178a8dd16ea Your Broker replied to the topic Equity Question in the forum Finance https://www.propertyinvesting.com/topic/4406984-equity-question-4/#post-4672686 Fri, 29 Jun 2012 00:07:56 +0000 I would think in basic terms no you couldn’t do it. Generally to access the cash you would look at taking another mortgage to access the cash. As the client already has a $220k loan they could only access $20k at 80%. They may be able to go to 90% but then they would pay LMI.

Hope this clarifies. Without knowing the full situation and what…[Read more]

]]> ef4d71402ac235d70d7a1dd0d9dbafde Your Broker replied to the topic Equity Question in the forum Finance https://www.propertyinvesting.com/topic/4406984-equity-question-4/#post-4672683 Thu, 28 Jun 2012 23:13:38 +0000 It is a very open question. For what purpose are they looking to do it? Eg. Assert protection, for some one else to get finance? There are ways to do both but they are both totally different.

You might need to elaborate on the situation.

Dustin McMahon
Your Broker
0430 110 304
Dustin.mcmahon@arefg.com.au

]]> 43837d77260cffaff595ddfa17b2138d Your Broker replied to the topic Setting up a loan for third Investment property in the forum it would be better to leave https://www.propertyinvesting.com/topic/4406968-setting-up-a-loan-for-third-investment-property/#post-4672615 Tue, 26 Jun 2012 11:39:40 +0000 it would be better to leave both loans seperate if you want to make ip2 loan i/o you can but keep it as it's own loan.   as ip1 is the one that you plan to live in this would definatly be the one you want paid off as you have done.  Dustin McMahon0430110304Your Broker

]]> 25664b6f52148275a875aa0180306212 Your Broker replied to the topic Accidental Investor - best loan structure? Pitfalls? Help! in the forum Help Needed! https://www.propertyinvesting.com/topic/4406959-accidental-investor-best-loan-structure-pitfalls-help/#post-4672580 Tue, 26 Jun 2012 06:03:24 +0000 RachelI would agree with Mattsta it is not always best to have these loans cross colaterised.  It maybe best to speak to a broker as your bank is always going to tell you it's best to have all your egg in one basket (theirs!!)  Talking to a broker about what you plan to do can save you time and money down the track.A common problem people are s…[Read more]

]]> 0c6a4b1c91f27de67da1e8e2d9e74df3 Your Broker replied to the topic Features of Investment loan in the forum Renel, What I think the https://www.propertyinvesting.com/topic/4406948-features-of-investment-loan/#post-4672501 Sun, 24 Jun 2012 23:23:35 +0000 Renel, What I think the people are trying to tell you is yes there are some great rates out there with the lenders you mentioned.  But what you will find is that lenders that offer the cheaper rates will accept a lot less risk when dealing with investors.  So often their serviceability calculation can be a lot less favorable so when you s…[Read more]

]]> e5bc369ba09aaf87c1b18f23b9ef6c21 Your Broker replied to the topic 'As is condition' in the forum Help Needed! https://www.propertyinvesting.com/topic/4406264-as-is-condition/#post-4667042 Tue, 10 Apr 2012 00:11:25 +0000 Hi Phorsha,I would be checking with the agent whether you get cooling of period or whether you are buying under auction conditions.  If you have a cooling off period it is quite often possible to get your inspections done during this period.  Another note if you are unable to get a condition like pest inspection or building inspection past it w…[Read more]

]]>