Recent content by joe.clayton

  1. J

    Right loan structure for IPs ?

    Hi mortgage experts, my girl friend has a main residence property already, which is worthy about $750k and $600k of equity. we are looking for investment properties and we know that she can use the equity of her main residence property as deposit to purchase investment properties. in addition...
  2. J

    Will salary sacrifice jeopardise my lending capacity ?

    hi there, another question for experts of this forum. I am looking for an investment property but don't know when I will be able to get it. meanwhile, I am thinking of salary sacrifice to reduce my tax. my worry is my disposable income will drop hence jeopardize my lending capacity. which income...
  3. J

    how to convert a two storey house to two units with its own title ?

    Hi everyone, Is that possible to convert a double storey property to two independent units with separate titles. what kind of renovation and legal procedure require ?
  4. J

    Loan with Max. period of interest-only payment?

    Hi all, can anyone tell me what is the Max. period of interest-only payment loan without being financially reviewed again ? I currently working at a remote area therefore my PAYG income is much higher due to various allowance. However I will return to CBD one day and the wage will drop. I like...
  5. J

    anything wrong with oak park, melbourne ?

    hi everyone, I am planning purchase an IP in oak park, Melbourne. Can anyone talk about this suburb ? what makes me concern is the historical data shows the unit price in this area is actually dropping, regardless of recent property boom recently.
  6. J

    finance for student studio

    student studio thanks for reply. take the apartment (with a car park !) below as example, what is the comparison interest rate and LVR percentage ? 306/32-34 St Edmonds Road Prahran Vic 3181 http://www.realestate.com.au/property-apartment-vic-prahran-115615915
  7. J

    finance for student studio

    hi there, is there lender accept finance for student studio which is less 40sqm ?
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