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If thats the case, why not buy here in Victoria and now also get the added $5000 bonus, thats a total of $12k (plus Melbourne is a nicer city to live in ;) )

$5000 bonus Hi I just read the State Government's Budget policy on this, the $5000 bonus for first home buyers is in addition to the Federal Government's $7000 FHOG. Therefore, Victorians would receive a total of $12,000 in grants/bonus. This $5000 bonus started on 1st May and ends on 30th...

Hi When you are applying for a mortgage, what % of the value of your shares does the bank take into consideration? I have shares, and also have an interest free loan on the shares, so Im assuming that the bank would look at the value of the shares after the loan has been paid off or...

Hi Just wondering, what kind of loans are used by an individual wishing to purchase units in a trust, is it a home loan or some other type of loan, and if so, is the interest rate generally higher, lower or similar to a standard home loan?

Thanks Thanks for all of your advice so far. Another question that I have: If we were to set the trust up as a HDT, are we able to rent the property from the trust? Or does this depend on who buys the units? If I buy the units, would it be better for the trust to rent out the property to...

Hi Ive just finished reading Trust Magic and I have a couple of questions I was hoping somebody could answer for me. At present, we dont own a property but are thinking of buying our first property within the next 9 months which we are considering living in for about 5 years then turning...

If I have received excellent customer service from a business, I make it a habit to remember the person's name. Then I contact head office or their manager, and usually also write a letter/email congratulating them on their service. Someone did this to me once, and I was so grateful and it gave...

Hi Re: those house sitting services that are available at the moment, has anyone actually used these services? I am considering becoming a house sitter, however Im not prepared to pay $200 for registration if the chances of me being contacted by a house owner are quite slim. Any advice would...

Hi Im not sure if it is okay for me to post this, apologies if it isnt. I am selling my wedding dress. If anyone is interested in the details, please PM me and I will send you a description etc... I'm in Melbourne. Thanks! :)

Hi Can anyone please recommend a building inspector based in Melbourne? We are considering buying our first PPOR and would like an inspection done prior to getting a valuation done, that way we can present the results of the building inspection to the valuer. I think I have seen an...

Do some phone companies offer the option of purchasing prepaid cards for local phone calls? I know there are heaps of companies for international prepaid cards, but not sure about local calls..

Hi Can anyone please recommend a reasonably priced, reliable video camera repair person in Melbourne? Thanks!

ABCDiamond: I actually worked in London for the Westminster Council Home Ownership Scheme, where people applied to purchase their Council properties at discount schemes. It was an interesting experience. I had one man who was crying because his application was rejected. He asked to speak to me...

Turns out the mother-in-law just has to pay $500 for the title and then it is hers. Phew! So if you ever do a title search and the registered proprietor is the Housing Commission, contact the Office of Housing in the area and they will confirm the details for you, as years ago there used to be...

Thanks ABC.... Wow I am totally shocked, I am glad that I did a title search. The person who thinks they own the property is in fact my future mother-in-law who we were hoping to buy the property from. She is a pensioner who has nothing, and thought she had this house as her only asset. She...

Thanks Rolf, that's what I suspected. So, in layman's (or laywoman's) terms, the person who lives there now and says they own the property, does not in fact own the property?

I have just done a title search on a property. Where it says "Registered Proprietor", does this mean the owner of the land? In this case, it says "Estate Fee Simple. Sole Proprietor: HOUSING COMMISSION" followed by a number that identifies a diagram, and a date. I'm a little confused.....

Thanks for all of your advice, the guy is finishing the floor as we speak. I haven't seen it yet but my other half says it looks very good. One question though: I am against having a dog in the house at night and will try and find any excuse to keep him out. Can he scratch the floor boards...

Hi Can anyone please recommend a pro for polishing floorboards here in Melbourne, particularly in the western suburbs? We only want one bedroom done at this stage, and have been quoted $450 (15 sq. m). We have seen the guy's work at a friend's place and we were impressed but I don't know...

Hi Thanks for all of your suggestions, I will keep these options in mind. For now, I have contacted the council and they are passing on the noise pollution complaint to the health department for them to deal with.