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That was in 2003 I think, it wasn't the official rate I had to negotiate it with CBA.

Is it a good time to fix now or would it be better wait a few months? Just curious what people think. I wanted to fix for 5 years but don't see any good options at the moment. Thanks.

Thanks very much All for your replies and pm's. I've already found someone to do the job.

I'm still getting quotes but most of them prefer the rendering to be done by somebody else.

Hi there, I'm looking for someone to do rendering in two bathrooms to prepare for the tiler (the walls are pretty rough after old tiles came off). The job is in Caulfield South. Can anyone recommend a good (not expensive) renderer? Thanks in advance.

Sorry, not prepared to disclose the street name yet, maybe after the auction :-)

Thank you Rolf. Could you think of such circumstances? just curious.

Does it make any difference if LOC is using two properties as security, or is it better to have two LOC's? I've been trying to get two LOC's but the bank person tells me it won't make any difference, and won't give me any extra flexibility. But I suspect the bank employee may be biased...

Ok. Thank you.

First of all, thanks very much for your replies. I'm not sure, from memory they are a bit closer to the front boundary. This is not mine but something I'm considering buying. Being able to build three units would make this block more attractive to me. How would next door properties affect my...

Well, thanks, but as I mentioned before I was hoping to hear from people who did something similar, especially if you had to go to VCAT.

Hi there, I'm wondering if I can build 3 units on a 750sqm block. 16.5m frontage, location is Bentleigh (not a cnr block). I realise I need to talk to a town planner but was hoping to hear from people who have gone through similar experience. Thanks in advance.

Thanks very much Y-man, good info to start with. Do you think the easiest way would be to include all those things in rental rather than trying to charge them for utility bills separately? What about telephone and internet, how would you ensure each tenant is charged fairly, for what they used...

Thanks for your reply Icarus. What concerns me is that the property that I'm interested in is not very close to uni but as I mentioned it is a walking distance to transport. Do you think it would be a problem finding tenants? As far as I can see there are not many students in the area. Thanks again.

Hi there, I'm thinking of buying a house and making it shared accommodation for students. The house that I have in mind is not in the proximity of any university but it is very close to the train station (direct line to one of the uni's), close to shops etc. Has anyone gone through this...

Hi depreciator, My apologies for the late reply, I've been preoccupied sorting out finance for my new purchase. We did the reno so I should be able to find receipts or recall how much it was. I'll pm you some photos. Thanks very much for you help.

The house is old, maybe 1950 or something like that, but has been extensively renovated (restamping, rewiring, new kitchen, new bathrooms, new BIR's etc). We bought it in 2001 and it's been our PPOR since then. What do you think? Thanks.

I've purchased a new property couple of weeks ago and we'll be moving in it in a month or two. Our current PPOR will become an IP for about a year, then we'll move back and the new property will become IP. My question is, is it worth to invite a QS to the current PPOR, which will only be an IP...

Looking at the figures published here: http://www.infochoice.com.au/banking/transaction-account/educationarticle.aspx?articleId=22007&SelectedTabCode=&ArticleTypeId=6&MajorCategoryIds=2 the average is 7.88%