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  1. J

    Redraw facility on ppor but what to do to buy I.p?

    Meetings and advice So I went to an accountant and he suggested selling the current ppor after the purchase of the new ppor because of the reasons that 300k in an offset account at 6% I.rate is a better saving on the new ppor than keeping current ppor, paying tax and having hardly any offset...
  2. J

    Redraw facility on ppor but what to do to buy I.p?

    We will be selling our ppor, buying our second ppor. And then an I.p using equity,:D:D:D I'm thinking using a line of credit I.o loan for our second ppor as we will not be in it for longer than 4 years. To my understanding I do not want to use cash to buy I.p as I want this for future ppor...
  3. J

    Redraw facility on ppor but what to do to buy I.p?

    Oh yes I did not put it in, we would be turning the second house into an investment and more than likely selling the poor we are in now.
  4. J

    Redraw facility on ppor but what to do to buy I.p?

    Hi all, so after meeting the mortgage broker to look at our finance for buying an I.p, Our current ppor is a basic variable loan with a full redraw facility no fees, and nearly paid off. So we want to purchase our next property to move into with an intention of only being there for 2-4years...
  5. J

    exactly that, where to buy?

    i have been listening to alot of different chatter about where to buy. rockhampton, orange, bathurst come to mind, does anyone else have any interests in other area's that could potentially be great?
  6. J

    inherting a house @ 50% its value, need advice

    yes sorry for being unclear the house will be transferred into our names straight away.
  7. J

    inherting a house @ 50% its value, need advice

    hi all, My partner and I are buying out her sisters half of their fathers home so we can help her with her first deposit.( The two girls would of inherited the house at a later date any how.) The father however will be living in this home, well forever so we wont be getting any income from...
  8. J

    depreciation/ inflation help

    cheers thankyou
  9. J

    depreciation/ inflation help

    hi al,l new to the forum and i would like to say that this forum is excellent. when selling an i.p that has a c.g.t, you get taxed on your income rate on 50% of your capital gains. so if your on a lower tax bracket the tax saving is greater. ok i think thats right? Q. do you have to be on...
  10. J

    sth east qld anyone?

    what is a good yeild that you want to aim for?
  11. J

    sth east qld anyone?

    thanks for the insight, yes it was a finance company pushing this trying to sell house and land and for me to use their bank e.t.c. i was very scepticle about this, and i think from the response my heart was true to myself. cheers
  12. J

    what to do how to do it.

    Hi ppl I have a headspin of decisions to make. scary our situation, my partner and i have a house in a regional w.a town worth 300,000 to date. we owe 130,000. our combined salary income is 225,000 with no kids as yet.our max borrowing capicity is 1.5m. we both only scrape through with not...
  13. J

    sth east qld anyone?

    I have been given advise that coomera in sth east qld will do well in 5 years, but i keep reading bad reports about this suburb, does anyone have any insight to this area? the rental return is not very high but the stratagey is neg gearing. and what are your thoughts?. cheers
  14. J

    tiles before skirting? unsure

    hi i have a concrete slab floor which im going to put down floor tiles. should i fix the skirting to the wall first or lay the tiles then the skirting on top? help please cheers
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