Recent content by Jasmine

  1. J

    Experienced broker for HDT borrow in personal name

    Thanks for all above prompt replies. Answering all of your questions below: - the trust we use is C & N's PIT - The company only act as the trustee for the trust, nothing else - Directors of the company are my husband and I - Beneficiaries are our family members - Should be full doc since...
  2. J

    FHB PPoR>IP offset account loan?

    Thanks, but if I purchase an IP first, and use the $150k (i.e. $500k-$350k) as the deposit of my IP. I think the interest of $150k should be fully deductible, right?! Then I get some savings few years later, say $100k, and put it in the offset account (that make the interest charge on...
  3. J

    Experienced broker for HDT borrow in personal name

    Hi, we have set up a HDT with a company as the trustee for property investment purpose. We are looking for a loan in order to purchase an IP in the HDT in the near future. Our accountant told us that we have to borrow under our personal names for the property to be purchased in HDT. We had...
  4. J

    FHB PPoR>IP offset account loan?

    Many thanks, I will have a look those products first. Still hope that someone can tell me how much interest I can claim for the IP, interest of the whole $500k or just interest of the $345k?
  5. J

    FHB PPoR>IP offset account loan?

    That's what my situation is. I bought our PPOR half a year ago, with a loan without the offset account. At that time, I told my broker that the PPOR I bought will become IP after one or two years, but he did not advise me that I should use a loan with an offset account. Few months later, I...
  6. J

    Unit or not for HDT?

    Yes, they said if it is positive gear at later years, just distribute the profit to other lower income family members, like parents or child. And we also think that once our passive income increase, both of us may change from full-time workers to part-time to get more time to accompany our...
  7. J

    Unit or not for HDT?

    Thanks for your advice, I do heard a lot that it's difficult to find lenders for HDT; however, I believe still few lenders can do it. I would concern more in putting the structure properly, i.e. whose name(s) should be put for loan? Should we borrow by personal name(s) or under trust...
  8. J

    Unit or not for HDT?

    We just set up a new Property investor trust through Chan & Naylor few months ago, and are going to start our property investment soon. I read lots of articles, and know that our trust is one of the HDT, I also notice about the TD 2009/17 and read some discussions in the forum, but I cannot find...
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