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I'm not sure if anyone else has considered this as an option but I would be interested in opinions, particularly in terms of finance and legal options. We live in a 1960's house in a very good suburb in Adelaide. If we spent $150,000 and built up we would have excellent city views. One...

My LVR is at about 30% right now, it wont make me as rich as some, but its the level I need to feel comfortable (and serviceability is my main constraint). I'm interested in the opinion of others though, what LVR lets you sleep at night in these interesting times?

Thank you for all your insights and discussions during 2011. I hope everyone has an even more happy and successful year in 2012.

Guys, I'd like to test out a theory on fixed versus variable rates and would like some real data to plot this out with. Variable rates information is obviously easy enough to find. Does anyone have a link to some information on historical fixed rates (for any bank, I dont really mind...

Guys, I'm not asking for any specific advice for my circumstances but I'd like to get your opinions on what factors to take into account in the following scenario. 1. PPoR - small amount left on the loan - under 20k - I have enough cash in an offset account so that no interest is charged. Its...

I've been reading this site for a few years now, had a PPoR for many years and an IP for 3 years. Two of the peoples commentary I read are Mr Yardney and Ms Lomas. I enjoy reading (or viewing) the opinions of both and appreciate what I have been taught, however I cant help but believe that...

http://www.adelaidenow.com.au/property/news/real-estate-slowdown-forces-massively-rediced-prices-at-newport-quays/comments-e6frefgc-1226102335738 Worth having a good read of the comments.

Hi guys, I'm investigating lower variable interest only interest rates and have found this one: http://mortgagehouse.com.au/home-loans/conservative-home-loan.aspx Currently offering 6.83% with no fees and 100% offset The 60% LVR is not an issue if I cross with my PPoR (which I dont have...

Just wanted to mention that I've just read the Natalie Cook article in the latest Property Investor magazine and found it to be one the the best I've read in there. IMO well worth a look. (I have no vested interest in the magazine btw)

I have to admit that this article concerns me from a property investment point of view (and obviously other pov's). http://www.theoildrum.com/node/5969 While I'm in my 40's, I am relatively new to investing (one IP and PPOR) and would like to continue to add to my portfolio so I can have a...

Simple question, is anyone holding off from buying IP's until we get more information from the Tax Review in late 2009? I'm considering a property as my 2nd IP but the potential for changes has me a little spooked.

I'd be interested in opinions on this article. http://www.theoildrum.com/node/5638#more As you probably know, I'm an investor not a doomsayer, but I like to maintain an open mind. cheers

Enjoy :) Banking Crisis Explained Young Chuck moved to Texas and bought a donkey from a farmer for $100. The farmer agreed to deliver the donkey the next day. The next day he drove up and said, 'Sorry son, but I have some bad news--the donkey died.' Chuck replied, 'Well, then just...

http://www.news.com.au/business/story/0,27753,25016351-31037,00.html Yeh I'm not happy :mad:

Hi Guys, I'm interested to know how many of you will only buy properties if they can provide positive cashflow from Day 1. Personally I bought my PPOR 15 years ago knowing very little but have been lucky, I've now bought my first IP and have had a significant increase in equity thanks to...

Unfortunately I missed this last night and didnt record it. Can anyone please give a summary of any important points made? cheers

Hi guys, Firstly I want to wish you all a happy Christmas season. Thank you for all the information I've gleaned this year. Even this week I finally understood a good reason for split loans i.e. to keep an offset account going on the variable part. So here's my little Christmas tale...

Well in fact K Rudd called it but I'm interpreting what he said. In the last day Rudd has made comments about job losses going on for years: http://www.news.com.au/adelaidenow/story/0,22606,24578957-5006301,00.html I don't believe he would have said that during phase 1 of the GFC...

http://www.news.com.au/adelaidenow/story/0,22606,24430138-5006301,00.html I go past this site every day and I know the price they were asking for the lots and am not surprised that they didnt sell. Demolishing without getting building approval, amazing. This was a beautiful old building...

Those of you that have been doing this for a while will probably have a laugh at this question, but as I'm relatively new here I'd like to ask, what are the reasons for refinancing? I hear many of the experienced people here talk about it (which makes a search on refinancing really messy...