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It was a 'proper' pre-approval, done through a broker who has a lot of experience with NAB products. We crunched all the numbers before even going to pre-approval, and it indicated that I wouldn't have any issues. 'Official pre-approval' was then given (not just the broker telling me how much I...

Thanks for all the support and ideas everyone. Hopefully, it looks as though another lender may have been found, if NAB choose not to play ball. It's a case of 'fingers crossed' for the next 24 hours??..

Reason for refusal I was told that it was because the child support payment I receive from my ex is not 'guaranteed income'. However, two points to note: (a) they were aware of all my sources of income at pre-approval stage, and it didn't appear to be a problem at that point, and (b) the...

Talk about being super cranky! I've been working with a financial planner, buyer's agent, and mortgage broker for months - and we'd finally found the ideal property, where all the numbers stacked up, and it was all 'workable'. I even had pre-approval for the amount I knew I was looking to...

Thanks Dave I had already read Russell Peter's name on another thread, and I like your advice about considering moving to another PM. I'll start doing my research……………. KayTea

Hi everyone. I'm (hopefully) just about to purchase my first IP. But now I need to look at getting a PM sorted. There is already one managing the property (yes, it's already an IP), but before I decide whether to keep the current PM, or try and find a new one, what are some of the things I...

I'm currently working with PPI in Brisbane - have been very happy with their services so far. http://ppiinvestmentadvice.com.au/buyers-agent/ Cheers KayTea

I've found a financial planner that I really like working with - we seem to be very much on the same page, and she's done a lot of investing herself - so I've got someone to help get me started. Thanks - you've given me hope.

It's been good so far - most of my questions were answered (it was only a 1 hour introductory meeting, so we didn't get the chance to discuss a lot of the finer details). I've booked for another meeting in a few weeks time to learn more about their process. There hasn't been any pushy...

Couldn't agree with you more. I'm trying not to get too caught up in investing - it's more likely to become a bit of a 'hobby, with benefits'. It gives me something to do at night, as most of the stuff on TV is crap.

I hear your point, but I think that anything that exposes children/teens to the concept of investing (even if it is a slightly skewed version of reality) is a good thing. On the whole, the national Maths curriculum does very little to teach good financial literacy - my Year 9s can solve...

I like your reasoning China, but how great would it be if we all had a crystal ball. If only reasoning was all it took to work out what was going to happen next - we'd all be worth a mint by now! I'll keep an eye on that one myself now too. Might I also suggest having a look at SRX (Sirtex -...

Thanks for the information. Don't worry, I really don't plan on spending much at all before I purchase anything - at the moment it is more about spending the time researching and reading. I have been getting books etc (for free, where I can), plus reading information on website/forums etc. I...

Thanks Blacky - you've really forced me to clarify, especially for myself, what it is that I want to get out of this. It was all a bit 'pie in the sky' to just want to 'get ahead'. I now know which goals I want (equity vs cash flow), and in what time frame - I just need to sort out if, and how...

That's my thinking - as long as the 'support team' are happy to doing everything via email (which I'm on every night), it will be great (maybe just a little slower than immediate contact). Where there's a will, there's a way, right? :)

Point taken, however I don't have access to a 'personal' phone for most of my working day (therefore, business, hours), and many websites are 'blocked' at work (also making dealing with many things almost impossible).

I'm currently reading and researching before committing to purchasing an IP. In my journey, I'm buying a few books, and as part of my 'due diligence' before I actually purchase a property, I know that I will need to do some serious number crunching (and am, therefore, anticipating having to...

I tried to reply to this some time back - it doesn't appear that my post appeared....... I had already read this thread simtr (amongst others), and like Shovelhead's observation, it's hard to decide whether it's supported or not (making it hard for me to decide one way or the other on them)...

Thanks Simtr - I'd already read this thread, plus the one on the InvestEd forum. There seems to be a lot of conjecture about their 'pros' and 'cons' - so I'm not yet swung either way by the comments made. It seems that some people who have actually used them are really happy with them...

Thanks for the reply Travelbug - I think you must have been typing while I was sending my last reply! I'm hoping to travel more, at some point, it's just a matter of getting the $$$ together (like most things in life, huh?;))