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    How long did it take banks to loosen lending after GFC

    Obviously the latest changes in banks LVR's are going to impact the ability of those who like to stretch the envelope in terms of how much they borrow . Last time this happened ( as far as I recall ) was after the GFC . The potential of measures targeting Sydney remain , but as this...
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    Building report - opinions sought

    To date we've never pulled out of a buy due to a building pest report , however wondering about this one . It's a cheapie . in Summary the property is " average " and most aspects are described as good to fair and it sound like every other report we've had on similar properties...
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    How many Properties in a Trust in Q'land

    Previous cycle , we were able to put several proprieties in each trust in Q'land Currently , threshold is 350 K land tax per trust . We're buying IP's , land value just over 100 K . Assuming prices double in next few years , then two IP's in a trust will take you over the threshold...
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    Lets hype Yagoona !! But do your DD ....Self interest post

    Declaration of interest - My In-laws live there and I want them to get as much as possible when they come to sell ... There have been many threads asking where to buy in Sydney recently and the most common reply is , DON"T .... There is a constant stream of posters reporting crazy prices...
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    Decreased Power Bill on Downsizing

    As I've commented a few times we've recently downsized . Previous house - 7 years old . Brick veneer , 450 M2 . reverse cycle air-conditioning . 2 units . Many , many down lights . Poor light in back yard so often need to dry clothes in Dryer . Electricity Bill always over 1500 but...
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    Gas heaters ? Advice

    Our new PPOR has a under floor gas heater in the old part but the main family room doesn't have this . We have a couple of small electric heaters which just work , but if we then decide to use the dryer or too much else the circuit blows .... It does have a gas bayonett in one corner ...
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    Data on borrowings - any sources

    Was wondering if there's any readily available sources of data on borrowings - LVR - overall and city by city . Cliff
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    How could restricted borrowing change investing approach

    I was thinking through the potential impacts on the limiting of the ability to buy multiple properties . Firstly , there is only a small proportion of investors who buy multiple properties , however my assumption is that somersoft has a much higher percentage of these investors than normal ...
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    Overhead transmission Wires - how far away ok

    We're looking at an IP which is around 100 mts from overhead transmission wires ( big ones ) Wouldn't want anything next door , but at what stage would people get nervous about nearby transmission wires . Any one had problematic IP's near overhead cables ? Cliff
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    Damage in recent storms - insurance claim advice sought

    One of our properties was damaged in the recent Sydney storms . We've never claimed on house insurance before . Water got in at back of property , two story and has got into the level between the two stories causing damage to the ceiling between the levels , extensive warping of the wooden...
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    APM Price Finder and PDS Price Finder ? the same thing ?

    I'm going through the process of picking a Data source and under the Price Finder " badge " , the are two different companies selling a price finder product . APM and PDS they seem to use the same logo so I'm assuming that they will use a fair amount of common material , but does anyone...
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    ?What Crisis??: How to buy a Sydney apartment on a $29,000 salary

    ?What Crisis??: How to buy a Sydney apartment on a $29,000 salary ..... At least some people have some get up and go and still think Sydney's affordable . Makes for a great read :D WHAT housing affordability crisis? If you're a gen Y having trouble getting into the property market, take a...
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    Lifting floor boards to access Wiring - Help please !!

    We have a Unit in a company title Block . Just had a leak in one unit ( not ours ) during renovations and it has revealed VIR wiring in the ceiling in the Unit below which needs to be replaced . The Builder who was doing the reno has quoted $ 5800 to remove and replace around 20 m2 of...
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    Why I have faith in Australia and the Australian property market

    There are always debates on this forum about the direction of the market , what drives it and how sustainable it is . Last weekend at a friends place we were having a similar debate and one friend , was quite negative about the sydney property market saying it was being driven by immigration...
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    Yes Virginia , prices DO always go up ...

    Lots of people like to get involved in debates about predicting when and by how much markets are going to go . We also have debates as to the reasons why this will happen with many people putting in informed reasons why certain places won't go up . I do get involved in these , but for me it's...
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    Property data providers

    On our last buying spree we had access to QVAS data which gave access to all available sales data and the ability to pool the data and do historical data manipulations back for as long as data was available . I used that for my graphs in this post . Rocky the next big thing We're looking...
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    At what vacant level would you not buy in an area

    Curious as to people's opinions as to at what level of vacant in an area wouldn't you buy . Cliff
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    Electrician , Internet and TV cabling . Who ?

    We need to get an electrician in to move a couple of power points . We also need to get a TV arial connected to a couple of rooms as well as having our new Optus cable connection connected to different rooms as the wifi modem isn't matching the performance in the other end of the house...
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    New flooring over tiles ? Vinyl planks

    We're wanting to put new flooring in two rooms which are currently tiled . My studio has very good condition large tiles over a concrete slab . Long term solution wanted . Think it would be hard to get them off and I don't have the tools. The kitchen has poorly grouted tiles over a timber...
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    Foxtel / Internet packages

    Just moved into our latest PPOR . Havent had Foxtel in Sydney for a while . Were with Iinet in last house for ADSL . I understand you can bundle Foxtel with Telstra . Can you do it with other providers . Anyone done dd on this recently ? Cliff
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