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Hi. To all those mortgage brokers out there when did NAB change their lending criteria (servicing and LVR) to meet APRAS guidelines? Have been told by my NAB branch manager today that it was April 13 and that's why a loan I went for in late April was declined due to the changes in servicing. Cheers

Hi, I've been told by the bank that I've limited equity and at this point in time I'm unable to purchase any more properties. What's a reasonable amount of time to wait to get revaluations done by the bank. We have 8 properties. Cheers Martin

I see that Shepparton has low vacancy rates, and a low medium entry. The rental yields are pretty good over 5%. It is a regional town but a pretty good sized regional town. It's close to where I live so therefore just interested in those who have invested here and there thoughts. I'm looking for...

Hi, Has anybody been asked to pay for a lease renewal fee? I think it's a bit rich to ask for it as they have been receiving property management fees over the past 12 months.

Hi, Just read an article on negative gearing being limited on residential property on ninemsn in the next budget. What's being talked about is that the benefits of negative gearing will only be available for new builds so as to stimulate the building industry, negative gearing won't be...

Hi, I put in a proposal for a subdivision to council and as part of the process in Victoria you have to advertise for 2 weeks and all the neighbours will be sent a letter about the subdivision. Unfortunately 2 neighbours complained mostly due to the fact that the nice vacant block they oversee...

Hi All, Just looking at suburbs in Northern Suburbs of Adelaide for an in investment property. I heard on the radio that there are expected job losses at Holden. To all those Adelaide forumites what are your thoughts on the impact it may have on these areas? Thanks

Hi, My wife and I are thinking of investing in a property with another couple. We are wondering if anyone's has any paperwork or suggestions to make as how to set up a partnership that is equal for all parties. Ie if one couple wants to sell there share etc. We would like it to be legally...

Hi All, I'm looking at changing to a 2 year fixed interest only loan with my bank from a variable loan on 2 investment loans. I asked for this to happen just on one month ago. I've just been informed by my bank that the 2 year fixed loan is expected to rise soon and too lock in my...

Hi all, Just seeking advice/comments. I purchased a property in Oct 2012 with a 30 day settlement. I provided a $12000 deposit with an agreement I could access the property 10 days before settlement to commence rehab. This is where it gets a bit screwed up. After receiving access to...

Hi All, Just thought I would share this. I have just put in an offer on a 3 bedroom property that has a granny flat at the back. Just waiting to hear back from the agent. Today I read through the Section 32 and for some reason I remembered a piece of advice from my builder friend who...

Hi All, For a buy and hold what Yield do you chase in the current market conditions? I'm looking for a yield of approx 6.9%.:D

Hi Everyone, Just recently went to the bank for an investment home loan, I have a 3 investment loans with them and I guess a good relationship with them. They informed me that with my current request for a loan that I would be over 80%. I have never paid LMI and told them...

Is it possible to build on a block the size of 150sqm? If so where would you find plans for a townhouse of this size. I'm looking at cutting the backyard off from a investment property I own. Thanks

I attended an Auction today where the property was passed in. I didnt have the finance ready and hadnt done my due diligence on the property. After the auction where nobody put in a bid I made an offer on the property subject to pest, building and finance. I was informed by the real estate...

I remember seeing a thread on an advertising method to get onto realestate.com.au by paying a realestate company some :)monies so they can list you on. I saw the thread some months ago but cant locate it. Is anybody out there remember it? :)

Hi, I have some blocks of land that I want to offload as well as possibly a house down the track. I would like to sell the properties on my own well at least have first crack at doing it. Is it possible to hire an Auctioneer for the day and if so hwere do I start looking for one?

Hi All, Being an absolute novice in the area of buying shares,I'm sending my post out to those who could assist and share there thoughts.As we all know the sharemarket is taking some big hits at present.In these times however there could be some bargains to be had in regards to future...

Hope you enjoy this story as much as I did helps to put things in perspective. http://cjcphoto.com/can/ Regards Martin:) :)

Hi All, I know many of you out there have income protection. I'm now starting to look at getting some. I know it has been slack of me but I was hoping that any of you would like to share what you have in the way of income protection ie what company you use, the repayments, etc.Thanks...