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That is nice 4.65% with stand alone security with Wide Bay If I refinance all my IPs with BOQ specialists, they can go down to 4.6% for all properties with 1 package fee

You need to tell your broker all the information to make an informed financial consent otherwise FRAUD!!

Thanks for all the opinions. I discussed with Investec/BOQ specialist. They can offer me commercial loan with the rate of 4.99-5.09% with NO additional security with 65%LVR. Valuation will not be an issue at 65% LVR Direct quote from them.... "Also we have no line fees or ongoing monthly...

Hi SS Broker I am thinking about making an offer to buy a block of 5 units (non strata titled) in the innerwest of Brisbane. The asking price is A$ 1,2 million. I have A$300k in cash and A$ 130k in LOC with ANZ (interest rate = 4.78%) making LVR ~65-70%. My current PAYG income is ~340k...

Cairns...most contributors here are very experienced If they said no.. then probably the chance is almost ZERO

What happen to the property? SOLD at auction or passed in?

Rolf, Yes.. I mean the % discount from variable rates (i.e. lower effective rate). I got a 0.85% disc with ANZ breakfree package last month on home loan < 1 million. Has anyone be able to get 1% disc on the loan with ANZ? The reason why I throw in this posting is to get an opinion. I...

Has anyone experienced as an ANZ Private Customer? Does it get an advantage over a better disc rate with homeloan?

Fantastic explanation Rolf... very clear and succint I like the idea of 28k vs. 56k Is this true??

what do you mean by purchase loan??

Plenty of good ones around here.. some of them are great contributors in this forum... learn heaps from them Avoid Mortgage choice/Aussie etc...

Sorry to hijack this tread again I was being told by the branch that opening a Disc Family trust account is under Business subset? Is that true? Can I open my DFT account under Access Advantage?

Is there anyway to get it for free? (i.e. getting extra offset instead of Visa credit card) Would be benefit with another free offset account

Hi Mry Thanks for the input. Yes. We will pay the market rent. The rent you pay to the trust will not be tax deductible --> If I rent out the property then I can claim the tax deduction... What is the difference between me paying the trust and rent it back at the market value? Thank you

I did miss a deal by trying to bluff for 5k. If I bought that property 5 years ago, I would make a fortune of 100k. If you like it... go for it and ignore 5k

Totally agree with Richard Would be scary/amused if the CPA accountant does all the leg work? I am sure that they have intern etc.. to do all the paper work.. but they DO go through the details and signed off the documents

I have recently purchased a property under DFT. My wife would like to move in for ~12 months. What is the legal implicaton (i.e. is this legal)? In terms of CGT, the property bought under DFT will subject to CGT. We have our own PPOR which is currently rented. Need some advice.. Thank you

PT Bear with NAB Homeside broker... do they offer 100%offset account..How about other features and customer service? It would be the lowest among all the bank and non-bank lenders?

Got disc 0.85% from ANZ recently. Not sure anyone be able to get 1% disc?