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Hi, The bedrooms in my PPOR that are carpeted. The carpet has the same effect as pepper with my hayfever so it has to go! The rest of the house has polished pine floorboards - they are fairly worn which is fine with me. Is there a way to sand & polish the boards in the bedrooms to match...

Hi, The back deck in my NSW PPOR is a bit dodgy, and our local council noticed it during a recent easement inspection. The deck is slightly uneven due to overspacing of supports, there is untreated timber used for supports and some supports are in direct contact with the soil. I'm unsure if...

Hi guys, I'm currently going through the legals of a new PPOR purchase. Our solicitor has advised getting Title Insurance to cover against illegal structures, boundary issues, outstanding rates and taxes on the property etc. The property has a deck that may have been built without council...

Hi guys, I'm currently looking at a potential PPOR which has a small creek running along the back fence. The house is zoned R2 - Low Density Residential (Wollongong Council). Does anyone know what restrictions would apply if I wanted to put a shed or spa at the back of this property in...

The unit is in my name only. It was recently valued at $350k (bought for $300k in 2008). Cheers, LMac

Thanks for your responses guys. We are using guarantors for the new PPOR loan, so LMI isn't an issue. Rolf - regarding the spousal sale, I hadn't thought about that. Would the effectivess of doing that rely on the income level of my partner? Since her salary is signficantly less (and...

Hi, My partner and I are currently searching for a PPOR. We are currently living in our unit which will become an IP. The mortgage on the unit is split into deductible and non-deductible parts. The deductible balance is currently $134k and the non-deductible balance is $43k. We are able...

Hi, I am looking at purchasing a 3 bedroom home in Wollongong's northern suburbs. Pricewise, East Bulli (walking distance to beach) is very similar to West Austinmer (up in the escarpment). What would you guys recommend as the wiser purchase? Thanks for your help, LMac

Hi, I’m after some advice on buying real estate on a high traffic road. I’m current looking at a 3 bedroom cottage in Thirroul NSW. It’s on the main road (Lawrence Hargrave Drive), so traffic is fairly high. On the positive side of things, it is only 150m from the beach. Parking is available...

I know they are side-by-side, but does anyone have any pro's or con's on these two suburbs? My partner and I are considering buying a 3 bedroom cottage (or similar) in the area. I know Austi has the more prestigious tag (and prices), but Thirroul has a lot more in terms of...

Hi guys, I'm about to rent out my property for the first time and am considering the following options regarding property management: Use the best property manager's in the area and pay a higher fee Use the cheapest property manager I can find Manage it myself I have virtually...

Hi guys, I know this kind of thread has been started before, but my question is a little different. I don't want to do the sanding myself - too many horror stories there! But is it worth doing the gloss/stain myself? Would this save me much money? Are there any pitfalls to be aware of...

Thanks Rockstar, and everyone else for your responses. I couldn't find any signs of subsidence, so hopefully the damp spot is a minor issue. When/if we get an offer accepted, I'll make sure I'm there for the building and pest inspection and see what the experts say. Cheers, LMac

The property is in NSW - what would this mean if council found out about the illegal deck? Would they order it to be pulled down?

The house is approx. 70 years old (miner's cottage). The house is supported by brick piers, and the wet patch is below the retaining wall cut. I can see why water under the house would end up here, but it's slightly worrying. The patch is under the dining room - no water services in close...

Hi, I am getting into the serious stage of negotiating for a house that has a deck that was built without council approval. What are the potential ramifications of this? How much would it take for me to gain approval? I'm a little worried that if I buy the house, council could find out...

Hi , I recently inspected a potential purchase that had a damp spot under the house. It wasn’t a puddle of water or anything like that, but the soil was fairly damp in an area approx 2m x 1.5m. Is this a major concern? The area is the lowest spot under the house and is surrounded by a...

I know they are virtually side-by-side, but does anyone have any pro's or con's on these two suburbs? My partner and I are considering buying a 3 bedroom cottage (or similar) here shortly. Thanks, LMac

Hi, I am currently living in a unit that will soon become an IP when I buy a new PPOR. Unfortunately do to my use of redraw, the unit's mortgage will consist of deductible and non-deductible debt when it becomes an IP. Therefore I am planning to split this mortgage into 2 seperate parts...

Will the loan statements be enough proof for the ATO in determining how much of the mortgage is deductible? When this property becomes an IP, I should be able to calculate exactly how much I have redrawed for personal reasons and therefore determine what percentage of the mortgage is deductible...