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    ING Direct loan 5-year fixed

    What if I have split accounts with ING (50% variable, 50% fixed). Is it still hard to access my equity (increase) in the future, before 5 years? (note that LVR <=80%).
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    Essentially unlimited, free desktop valuations.

    Anyone know where mywealth sourced their valuation from, now? Last week, I checked the site and I think they are sourced from rpdata. Today, the valuation changed. Much lowered than last week (and it's all round number, eg. 525000 (used to be 554867)). I just need to know whether they are...
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    Same LOC loan account for 2 different IPs (interest expense)

    Had 2 IP that need TLC on the same time. I'm planning to do some reno and maintenance for these properties. Questions when dealing with tax return (say for 14/15), whether I can put the cost on the work on the same LOC account. Example: Prop. A, cost 10k, on 1-Aug-14 Prop. B, cost 3k...
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    Connection between changing accountant & audit

    Is there any connection (in ATO's eyes), when we change our accountants and got audited? I have 3 stories about this: 1. My uncle change his accountant and then he got audited the year after. 2. Myself, I change my accountant and also got audited the year after. 3. My friend also change his...
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    Reason for refinance

    LVR is 80% max.. Thanks..
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    Reason for refinance

    I'm planning to refinance my mortgage, to get a top-up (due to an increase in my equity in the last 12 months). The purpose is to use the top-up money to buy another IP. The lender will ask me what the top-up money is going to be used for.. What is the best reason I can give to the lender...
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    What Jobs Will Disappear Within Ten Years..

    Anything that can be replaced by machine and can be outsourced from overseas..
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    Next IP in Sydney or Brisbane?

    I'm going for Brisbane. Because I think they are catching up with Sydney. Wow.. Looks like a good one.. How many townhouse in the complex? High body corporate? --
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    ING Direct Refinance

    Thanks Peter.. So, if the "upfront valuation" didn't cost me anything, does it mean they are not doing the full valuation (so they are doing desktop valuation)? If they are end-up doing the full valuation, who is going to pay for the valuation? Thanks..
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    Free Tickets to the Home Buyer & Property Investor Show - Melbourne

    It's too late. The show is last week. See you next year.
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    Housing Affordability Push to Impact Negative Gearing?

    The grandfathering is good for the current investor, then.. Still benefit from the NG plus an increase in rent (like last time when it was removed).. Maybe the drawback is less CG in the future?
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    ING Direct Refinance

    Thanks Jamie & tobe... To get an upfront valuation, can we ask ING ourself (without a mortgage broker), provided that our mortgage is with ING ? Or it's only exclusive to certain mortgage brokers? And also, is there any fees associated normally (for full valuation, etc)? It would be...
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    ING Direct Refinance

    What is the upfront valuation & the purpose of it? Can we ask about the upfront valuation ourself (without broker)? Any fees associated? Sorry to ask basic questions. I just want to know. Thanks.
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    Bris Home Show

    I attended the one in Melb. last week. Gee, lots of exhibitors with some new cool stuff. I'm amazed. :eek: --
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    What's your asset-debt ratio limit?

    My LVR probably around 60%, but it's well over $1m.. Sometimes, I don't feel comfortable with this, because most of it comes from my PPOR.. :( --
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    Property Prices Doubles in every 10 years rule

    Wow.. too many zero / million. But are you gonna enjoy this yourself in 2104 with $ 250+ million? Our grand kids are the lucky one.. ;) --
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    Powerball $70m Jackpot

    If I won $35m, I will definitely spend / invest on property.. A deposit of 20% for 20x 500k property. But the next question would be my serviceability :rolleyes::rolleyes: --
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    Powerball $70m Jackpot

    Anyone buy for tomorrow (Thursday) Powerball $70m jackpot? Wish I could win this.. :cool: --
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    Land tax 2014 (Vic) for Tax return 13/14?

    I paid it in full in early August-2014. Another question: For the new land tax 2015, I'm planning to pay in full in May-2015. So, does it mean in my Tax Return 14/15, I can put both land-tax bill for 2014 and 2015? Thanks, Paul.. :) --
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    Investing in Glen waverley

    What about if you invest in the suburb next to G.W. area? To me, it has potential.. --
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