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can existing cba transaction accounts be "switched" to an offset retaining existing bsb/account number?

Seeking a suitable 240v single-phase electrical submeter (brand/model) for multi-occupancy rental property where usage from a set date to set date can be read from meter to correspond with dates on electricity company bill. More info: Get a single bill from the electricity company every 2...

I'm interested in locking at 5 years with these banks (existing variable loans). I'm getting the sense consensus is that 5 year rates have bottomed and that waiting for banks to provide forward notice of a rate increase before locking to get the lowest rate is risky?

Do CBA and SGB typically provide forward notice of an impending rise to their fixed rates and if so how many days notice is typical? Just spoke to CBA and they indicated no forward notice is provided.

we joined forum on exact same month... yet I don't have 1% of your posts ;) Any idea how one would proceed with such a borrowing arrangement? Still considered "limited recourse borrowing" with need to set up a bare trust etc?

Can one lend personal funds to their SMSF with the SMSF repaying this loan in the future? Background: where the smsf has a shortfall in paying say 20% deposit + costs on a residential property purchase (with smsf bank loan covering 80%) how can cash be loaned to smsf on a short term basis...

Two side by side corner street resi properties (individually 2 unit development sites), combined possible 6-7 unit site. Do banks entertain having these valued as a pair (worth more) for refinancing purposes or individually only? No development approvals in place. Current loans are not crossed...

Welcome recommendations on cheap & reliable handymen for basic property maintenance activities in above-mentioned locations. Bit over paying silly money to have bolts tightened, tiles refixed etc Sam.

Anyone going/gone? Given Bill's not coming to Perth on this occasion would welcome peoples' thoughts on content/messages. Sam.

Nice work Rick, save us a slice of pizza on that wood oven! Sam.

Have poured over last financial year's portfolio stats. Current portfolio of mostly older resi properties (houses) are costing me 38.9% of rental income on outgoing costs not including mortgage interest charges (ie. maintenance, property management, insurances etc) - this figure does not include...

Discussion paper has now been released: http://www.qshelter.asn.au/files/NRAS%20Technical%20Discussion%20Paper.pdf Scheme seeks significant new institutional investment (super funds, banks, 'private developers') to increase supply of affordable rental housing. Scheme offers up to $8000 in...

Unrealised Capital Gains as 'Income' for Low Doc Declarations On a related question how do banks generally define 'income' for low doc loan income declaration purposes? My understanding is generally, there is no contractial definition? In particular, if one were to include projected, but...

Reading from ruling: "The line of credit will be obtained on a capitalised interest basis as you do not wish to use personal funds to service these investments." Wonder what this implies re use of investment income such as rents or dividends (presumably this is different to 'personal...

Have an existing CBA pro pack (full-doc Viridian LoC). Questions in respect of taking out new Viridian LoCs (new IPs) on a low doc basis (80% lends) with CBA: Does exisiting pro pack cover new low doc Viridian LoCs? Is there a limit on number of loans covered on single pro pack? ABN and GST...

Tax Deductibility of Capitalised Interest Where No Non-Deductible Debt Involved Where one has no non-deductible debt and a positive, neutral or negatively geared IP portfolio, and one wishes to use some/all of the rents to live off (essentially living on rent retirement/semi-retirement...

On a related question, what charges are typical in getting bank to revalue IPs (to pull out equity) within 6-8 months of having taken out loans? thanks, Sam.

What banks cover more than 5 loans under one pro-pack package fee, and if so how many? Going through the motions with SG currently who wish to charge additional pro-pack fees should I go over their 5 loan limit. Looking to soften their stance with a reminder on what the competition is doing...

seemed to have missed it, but this is what I'm after! Sam.

Hi - how does one figure out the interest charge % allocation per IP? This would need to factor complexities such as date of actual expense (eg. maintenace) in relation to period that interest expense was charged carried forward etc. Exactly what I want automated if can be achieved. Sam.