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    Cairns

    Rent up there and enjoy the lifestyle. Invest somewhere else, the incomes in the region will not provide you with the growth to make a decent dollar.
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    massive cashflow

    Their interest rates are less than one percent arent they? Wouldnt be too hard to have the yields above that!
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    Best discount from commonwealth bank 0.94 off variable rate

    Aaron what order would you rank the big 4 in terms of serviceability?
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    Hervey Bay Qld for investment.

    What is going to increase the values of HB? And dont throw in shops, a beautiful place etc etc. The fundamentals I dont think are there for consistent long term growth. Incomes and jobs arent there for values to rise. Stick to Brisbane, you'll do much better.
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    Kensington, Footscray Vic Investment

    Some pretty predictable thoughts coming through here. Good to see the east v west is still alive and kicking. Despite what many have said there is not that much difference in CG over the last 35 years between say Footscray and Richmond.... Suggest a few have a look at some data to make...
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    Ballarat

    That must be recent as she was essentially knocking late last year when other guests on YMYC were singing it's praises. I'd suggest she has actually done some research and discovered what others already knew.
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    Bigger Vs Smaller

    No its not its a destination that is some way from Brisbane by the look of things...
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    Offset money or finance?

    Hey Aaron Some ways to get the other stream of income are: Registering for an ABN and getting lo-doc products in the future to take away the reliance on your salary Interesting idea but I am not sure how that helps with further income streams unless you mean starting up a business on the side...
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    Bigger Vs Smaller

    Cool mate, as I said a "general rule".
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    Bigger Vs Smaller

    I dont follow Spades
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    Bigger Vs Smaller

    As a general rule, steer clear of tourist towns. Demographics suggest low incomes which is the main driver of CG.
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    What areas in Melbourne are good value at the moment?

    Tricia, as one of the private school kids who grew up in Kew, I think you will find many would prefer to live in the same area they grew up or closer to the city not further away from it. Those suburbs you mention are so far from reality of what younger professional from private schools are...
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    [Melbourne] Thoughts on apartment as first home/investment?

    Have you tried looking in Elwood or West St Kilda? Very in demand areas close to everything and a lot less development then alot of the old inner city areas like Sth Yarra and Richmond.
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    [Melbourne] Thoughts on apartment as first home/investment?

    New apartments can be very dangerous, particularly if its a signifiant number of apartments in the development. There is no scarcity about them, there will be alot of people looking to rent them out so the rent agents quote is often too high as a discount war can eventuate. Worst of all the...
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    600k to spend in VIC

    West Footscray to Nth Melbourne (edge of CBD) in peak hour is 15-20mins. Lack of roads? No more so than anywhere else in Melbourne. Infrastructure, can you be more specific? No gentrification? I guess that depends on your definition. But considering the restaurants, cafes, bars, renovating...
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    600k to spend in VIC

    Well well well, there is some uneducated advice....
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    Variable rates discount

    Hi Aaron - can you explain some of their shenanigans for the uninitiated?
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    1st Home - Apartment in St Kilda

    Yield sounds good but with 100 apartments who knows how that will play out and the same with CG. No scarcity involved.
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    Regional Duplex/Subdivide/Strata?

    Thanks Aaron. On the construction loan if the subdivided land was worth 100k and I wanted to spend 200k on construction (not that I do, just an eg) do you borrow 80% based on the 200k or 80% of the combined land/construction valuation? So 200k on a val of 300? Keeping well under 80%?
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    Regional Duplex/Subdivide/Strata?

    Hey Guys I have a couple of questions that I am sure are easy for you (not so much for me). Looking at regional IP with reasonable land (700m2). Ideally like to purchase and rent existing. Purchase $200k, rent $230pw. House is at very front of block and guessing about 450-500m2 left at the...
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