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Thanks AJB and Wylie - could you give me the contact details of where you got your asbestos testing done? Wylie, I am hoping that the lino can just be lifted up and carried out, but the edges are old and crumbly and I'm sure little bits will come off - and fibres if it is asbestos! Cheers Sharon

PS I am in Hobart, if anyone has had good experience with local asbestos testing / removal companies.

Hi there I have layers of old lino over floorboards in a late 50's house. The lino is in one sheet and isn't glued to the floor, just sitting on top of newspaper sheets. I am assuming the lino would have asbestos in it, so I am thinking maybe to just get a quote to have it removed. Or does...

Hi I have a $10k credit card debt that I would like to transfer the balance to a 0% card. (Just trying to buy a year or so?s grace in order to pay down my cc debt!) I have read on the forum that a credit card balance transfer trashes your credit rating? Can someone tell me more about this...

thanks all for the replies - all useful info when choosing which way to go.

Hi folks - title says it all. Was wondering if there is an advantage in the eyes of the bank if your investment property is managed by a real estate agent. I have been asked in the past when applying for a loan, so I assume the rental income is treated differently if it is self managed? Thank...

Thanks for your reply Rolf. Yes - I will be paying an agent. I have found one who will do the contract for me for $300 (which is a lot less than I was expecting) - is that all he would have to do to satisfy the bank ie what proof does the bank need? Thanks.

Hi Just wondering if anyone can enlighten me regarding putting a private sale through a real estate agent in order to avoid a valuation inspection of a property I want to buy. I am selling my investment property in order to buy another house of a similar price via a security swap. My mortgage is...

Hi Rolf. The bank is ANZ. They are saying a straight security swap. Does that sound correct? Just making sure...

Hmm. That's interesting. The property manager told me that he needs to give the tenants 2 weeks notice that I am planning to put it on the market. I assume that I can't do anything - show it to agents, photograph it for the web, show it etc until 2 weeks after they have been notified? The...

Hi there. I have a house that is tenanted that I am considering selling. How much notice does the property manager have to give the tenants? If it is say 2 weeks, can the property be assessed by agents and advertised, or will I have to wait the 2 weeks? Appreciate any replies!

Thanks so much for the replies. Re the security swap, provided the new property is accepted by the bank as acceptable security, and I have the funds to cover any unexpected shortfall between the price of the new property that I am buying and the one I am selling, is there any reason a security...

Hi I am wondering if anyone can advise me. I am wanting to sell my old ppr (now an investment property) in order to buy a ppr in a different state. (Unfortunately I have been unable to get a loan without selling.) I have been trying to buy this house for a long time, so this is my last ditch...

Thanks all for your help - will do

Rolf, I'm not sure. I asked the agent if they are desperate to sell and she said if they don't get what they want, they will hold onto it. But she recently sold another property of theirs, and the fact they have opted for auction + open to offers, makes me think they must be pretty keen...

Hi there Good grief - replies at this hour! Thought I was the only one, sitting on my lonesome on a property investment forum on a Saturday night!! Yes Rolf - I agree - I would love to find a way to make this work independently. Can you tell me who the lenders are that do bridging on end...

Hi I have a serviceability issue and was wondering if there is any way I can do this – like a non conforming loan, bridging finance for more than 6 months, if needed? I have 2 properties, NSW value around $300k, loan $200k, and Tas, value $175k, loan $150k. I want to buy a house for $300k...

Wow what an interesting thread. Particularly enjoyed your post Peter 14.7 Thought I'd share some of my experiences too. I made the move to Tasmania about 2 years ago, having lived here before when I was younger and loved the lifestyle. I moved from the Blue Mountains, (having retreated there...

Thanks for the feedback guys - back to the drawing board I guess. Or rather, a real job!

Hi there - looking for thoughts on getting a loan using an arts grant as business income. I am trying to buy a house that I am very keen on and would give me all kinds of business opportunities, as well as a great place to live. I have spent the past week with a mortgage broker, getting my...