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    Electrical Submeters (date to date reading) - model recommendation

    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...
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    Lend Own Money to SMSF?

    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...
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    Bank value two side by side properties together (worth more) or individually?

    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...
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    Cheap Reliable Handyman: Elizabeth SA + Woodridge/Logan QLD

    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.
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    Bill Zheng/Investors Direct Feb Seminars

    Anyone going/gone? Given Bill's not coming to Perth on this occasion would welcome peoples' thoughts on content/messages. Sam.
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    Property Expenses as % of Rental Income

    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...
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    National Rental Affordability Scheme - Not Available to Private Investors

    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...
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    CBA Low Doc Viridian LoC

    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...
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    Max Number of Loans Under Pro-Pack???

    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...
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    Accounting Software to Apportion Interests in a Common Loc?

    Lending structure: common LOC (for all IPs) that pays for deposits & purchase costs (stamps etc) and interest accured on individual IP loans. Common LOC also used to cover odd maintenance costs on individual IPs. Interest also partly capitalised inside common LOC. What's the easiest way...
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    LOC Serviceability Hit

    Intending to take out a large LOC against unencumbered PPOR to use as deposit for future IP purchase and provide buffer for unexpected costs etc. Mortgage broker has informed me that banks don't factor any rent/negative gearing considerations when determining serviceability on such loans...
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    Hybrid Trust - stamping of special income units?

    Do the issuing of special income units by a hybrid trust have stamping/stamp duty implications? My local revenue office (Perth) could not inform me accurately (didn't know what a hybrid discretionary trust was!) but drew parallel to issuing of new units in a unit trust having stamping/stamp...
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    IP 50% owned by Hybrid Trust

    Happy Easter! Hypothetical: Q1: Mum's current PPOR is fully payed down and soley owned in her own name. If she sold this property at market value to my hybrid trust and the trust borrowed moneys to service this debt, would borrowing expenses be tax deductible? ie would it be construed by...
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    Development of PPOR and CGT

    Hi all, I bought my only property 18 months ago and rented it out immediately (inc claiming interest/depreciation expenses). Q1: I understand that if I declare this property as my PPOR from day 1, I won't be up for CGT should I sell within 7 years regardless of not having lived in the...
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