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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?

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...

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!

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.....

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 A few doors up from us live a group of young hooligans, aged around 18-22, who have parties at least twice a week. They tend to sit out the front drinking, talking/yelling and playing music til the wee hours of the morning. We suspect that one or more of them were responsible for breaking...

There was a post earlier in the week about whether a couple should buy their property prior to the wife giving birth, or should they wait. On Monday I found out that I am pregnant (complete shock to the system!!) so one of my concerns has been the impact this will have on our property investing...

I'd like advice on entering the legal profession, as a legal secretary/admin person. I have a tertiary qualification in business (PR/Marketing) and four years of marketing/admin experience (incl. 6 months working for the Westminster Council's Housing Department in London). Am researching...

Thought I would post a little story that illustrates the importance of 1)thinking outside of the square and 2)doing your research!! -A couple recently decided that they would purchase a new PPOR in a small country town, about 1hr30mins out of Melb. -They did their "research" and decided to...

What are some of the things you do to cut down on your living expenses, so that you have more of your income to invest in more properties? Some examples: -Camping during the summer holidays rather than staying in hotels/motels -Walking/bike riding to work instead of taking the car -Doing...

Hi My friend's Aunty recently "sold" her shop to one of her employees. The employee and her husband gave the aunty a $50000 deposit four months ago, and they "shook hands" and did not sign any contracts yet (dont know the reasoning behind this, as I think it is silly). Last week, the employee...

Hi Does anyone here buy vacant land in a new estate and then sell the block further down the track (eg: 12 months later), making a good capital gain? What are your thoughts regarding this as a way of gaining a bit of capital? What are the pitfalls?

A weird question, but out of curiosity... What would happen if during the settlement period, the property you were purchasing was badly damaged due to either a natural disaster such as bushfires, floods, cyclones etc...or an accident such as a fire that was accidental (kid lighting matches...

Ive been reading articles on the possible closure of the Mobil Oil Refinery in Altona. Altona is better known for the oil refinery than for its location (bayside suburb close to shopping centres, city and freeway). What are your thoughts on the impact the refinery closure would have on the...

Hi I have been in my current job for almost three years, and my fiance has been in his job for almost four years. We both work full time. We will be changing jobs early/mid next year. Do lenders still look at the amount of time you have spent in the one job? If we applied for a loan...