PropertyInvesting.com | zizzuu | Activity https://www.propertyinvesting.com/members/zizzuu/activity/ Activity feed for zizzuu. Wed, 15 Apr 2026 04:37:30 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 9e6809bad9ff89f357515835c81baa6a zizzuu replied to the topic 2nd IP finance structure and Sydney market outlook in the forum Help Needed! https://www.propertyinvesting.com/topic/4395721-2nd-ip-finance-structure-and-sydney-market-outlook/#post-4601069 Thu, 19 Mar 2009 09:14:03 +0000 Thanks Richard,

I have already utilized some of the equity in the property to invest in the sharemarket in March last year (not the best move in retrospect).

The property may have increased in value slightly since this point and there may be around 10-15k of equity still available using the 90% LVR that Adelaide Bank applies. However i am not…[Read more]

]]> 6ddaf9370a5f228fd7550be1c0076110 zizzuu replied to the topic 2nd IP finance structure and Sydney market outlook in the forum Help Needed! https://www.propertyinvesting.com/topic/4395721-2nd-ip-finance-structure-and-sydney-market-outlook/#post-4601066 Thu, 19 Mar 2009 00:57:17 +0000 Thanks for the advice Richard,

Can you please explain “cross-collateralised” and what i need to do to avoid this?

At the moment i have all of my savings in the original offset account…is this the best place for them?

These are my only savings and was planning to use these for the deposit etc for the next IP. I don’t see any way to avoid using…[Read more]

]]> a31a62135dcf051f0992ebd32f2f052d zizzuu replied to the topic Whether to proceed or not with IP purchase??? in the forum Thanks Richard, That is a https://www.propertyinvesting.com/topic/4391631-whether-to-proceed-or-not-with-ip-purchase/#post-4578448 Mon, 10 Dec 2007 22:59:40 +0000 Thanks Richard,That is a good idea.I just spoke to my broker and apparently i need 20% equity in a property to get a 100% loan and that a 97% loan requires P&I to be paid back. The broker did suggest that there may be ways to minimise P&I repayments but i don't see how….i always thought IO was the ionly way to go when investing in propertyI seem…[Read more]

]]> 797c5e48895faf9500b47465c3ce9aff zizzuu replied to the topic Try to develop investment plan in the forum Help Needed! https://www.propertyinvesting.com/topic/4391372-try-to-develop-investment-plan/#post-4576892 Tue, 06 Nov 2007 20:35:30 +0000 Hi Elka,It is with Adelaide Bank and i settled the loan in July this year. Now that i know "alot" more about finance i was lucky with the loan i selected (IO with an offset). It has worked well for me so farThankyou for all your help everyone

]]> 9da350212d668c9a4b75eb0daa01b9a2 zizzuu replied to the topic Try to develop investment plan in the forum Help Needed! https://www.propertyinvesting.com/topic/4391372-try-to-develop-investment-plan/#post-4576888 Tue, 06 Nov 2007 02:06:30 +0000 Thanks Simon,My current PPOR does have an offset facility and this is where is where i have been saving my deposit for whatever i decide to do. The loan is IO and is fixed for 3 years at a good rate. In looking at a new bigger place i calculated that the stamp duty would be around 25k and that i would also need approx 5% deposit (30k) to access an…[Read more]

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