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Currently looking to fix - and yes - I realise there are some contentious views on this. Best headline rate I can find is 4.37 from uBank w/annual fee. Does anyone know of any better deals out there?

Buying a property to live in with a view to it becoming an investment in a few years so we want to maximise flexibility and tax effectiveness down the track. Property is slightly outside the affordability of partner A by 120k in terms of repayments with the maximum bank LVR (without LMI)...

http://www.news.com.au/national/strata-properties-could-be-risky-for-smsf-owners/story-e6frfkp9-1226739751992 Thoughts on whether this only applies to directly owned assets? With borrowing, I thought that the property is purchased by a separate company (different to the company that may...

Hi All, Five year fixed rates are around 6% with the majors - I think I saw some reference to mainstream lenders going forward with SMSF loans over the last week - any tips? Preferably with no personal guarantees.... Cheers sp

Hi, We are trying out NAB and it is not a great experience so far... Does anyone know any good personal bankers in ACT/NSW? Probably not a broker deal as we are employees.... But open to ideas ... Cheers

Hi, I'm thinking of changing bank - single IP currently under ANZ breakfree (not particularly happy nor unhappy with them) but have a NAB employee option with higher LVR (although probably P&I)... So... Seem logical to see what valuation ANZ will give (since I have already paid the...

Hi I thought I'd post here since there should be some like minded souls ... Plan is to set up SMSF with esuperfund w/Corporate Trustee. I've decided a corporate trustee is sensible. (EDIT: Plan to set up company with Cleardocs) I am however wondering what the ongoing overheads of a...

Hi, My Owners corporation (ACT) has proposed the following motion at our AGM: “That any claim that arises out of negligence, inaction or wilful damage by a resident, The Owners Corporation reserves the right to recover any excess from the unit owner" I'm not entirely sure of their...

Hi All, We are about to replace a bathroom/kitchen in our PPOR (could be IP in future) - The existing bathroom/kitchen may have some depreciation left in them. Should I be bothered with quantifying this? Can I claim this later if I turn it into an IP? Is it worth it? Suggestions welcome...

Hi, I had some tree people in and in the process of stump grinding some bamboo, they damaged the bottom rail of a colourbond fence. It wasn't a complex job or falling tree and reasonable care should have taken care of it. Haven't had their response yet but interested in others experiences and...

Hi. Interesting scenario, say we have a property that is 50/50 joint ownership but one party lives in the property (pays market rent for the other 50%) and the other party does not live in the property. Can it be treated as an IP for the owner not living in the property? Cheers

Hi, I have a mortgage with ANZ (IO) and want to direct debit from another institution - they are saying they can't do this. Perhaps this is due the variable nature of the payment but does anyone have this set up? Cheers

Hi all, I took a loan out with ANZ at 86% LVR - Paid LMI 3 years ago. We want to withdraw the equity to raise the LVR back up to 85% (about 130k). Mortgage broker is hesitant that we can obtain any credit for previously LMI premium and would have to pay the whole lot again. My previous...

Hi all, I am looking at a property that is in a light industrial zone (small section of a residential neighbourhood). It is a new townhouse with the ground floor apparently restricted to commercial activities (which is the council requirement). It is torrens title and reasonably new. A few of...