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  1. traceyim

    Current Home Loan interest rates

    Discounting for loans Hi FlatEarther, I am wondering what the final loan amount is here. 56% is $482k but you are moving to 80% which must be over $680k. If construction value is involved then the value is higher and the loan amount would be higher too. I think the rate is based on a...
  2. traceyim

    Restructuring Loans to Avoid Cross Collatorisation

    Perth Mortgage Broker Hi JL, I am happy to meet with you face to face. Our office is south of the river close to Freo. You are welcome to give me a call if you want to discuss first. We can restructure with no cross-collateralisation. I understand debt recycling as some of our clients...
  3. traceyim

    ANZ joins the Medico LMI Waiver Party

    90% no lmi St George flame includes Engineers, Surveyors, Geologists, Geophysicists too in mining, energy and resources industry. Must earn over $150k gross p.a. income.
  4. traceyim

    Does anyone recommend a good PM in Scarborough WA?

    Any assistance is welcome. I don't have any property manager contact in this area and would like a reliable, efficient person for a villa. Thanks, Tracey
  5. traceyim

    Perth property listings - under 12,000.

    Buying instead of renting Interesting thread. The rental shortage and reductions in interest rates is causing more first home buyers to buy instead of rent. They are having too much trouble trying to get a rental. There has definitely been an increase in the past few months. Cheers Tracey
  6. traceyim

    Property Investor Network - Perth Meeting Monday 21st Nov

    Property Investor Network Meeting Learn more about investing in Property at our informal, friendly meetings Date: Monday, 21 November 2011 Time: 6.45pm for 7pm start Place: City West Receptions, 45 Plaistowe Mews, West Perth Cost: Free Refreshments provided. Come along and...
  7. traceyim

    CBA have tied my hands

    Cross-Collateralisation and Serviceability Hi, I have read through this thread and have some comments that may be helpful to those that are in this situation. 1. All of the banks will cross-collateralise your properties not just CBA or NAB. This is how they train all bank employees in...
  8. traceyim

    Perth Meeting - Property Investor Network, Tuesday 20th 7pm

    Property Investor Network Meeting Cost: Free Place: Perth Convention Centre, Meeting Room 9 Time: 6.45pm for 7pm start - 9pm Topic: Sub-division Coffee, Tea & biscuits provided Parking: Convention Centre carpark Venue is located directly near the train/busport and right off the...
  9. traceyim

    liquid limestone Perth?? Any suggestions

    Liquid Limestone Hi Urban Planner, There is a company that does liquid limestone for $55sqm including GST. Go to www.liquidlimestone.com.au Kind Regards, Tracey
  10. traceyim

    Best discount from commonwealth bank 0.94 off variable rate

    Loan Discounts Loan discounts of 1% are quite easy to come by at the moment. In the future maybe not. It won't last forever so jump on the bankwagon while you can. (i know its bandwagon!) You can deal with a bank directly but you are much better off dealing with a mortgage broker that...
  11. traceyim

    Not even aloud to look at cigarette shelf anymore !

    Hi Topcropper, Yes there have been many times I have enjoyed a few drinks and had a really good time. I think I may have met my husband the same way and we have been married quite a long time now so it has done some good there too. You can enjoy a few drinks and have a good time. Perhaps...
  12. traceyim

    Not even aloud to look at cigarette shelf anymore !

    I wish they would get rid of cigarettes altogether! Perhaps keep raising the age restrictions. But this wouldn't work either would it! I don't mind the odd grape juice though so can we keep the liquor stores. :) My kids know that only grown ups are allowed to go in there. We could get...
  13. traceyim

    Queanbeyan 1 BR unit.

    Hi Beebop, I was born in Queanbeyan and bought my first PPOR there. I think Queanbeyan has great potential and there has been some great capital growth there. There would be demand for one and two bedroom units but I think two is better if you can afford it. Queanbeyan is just like any...
  14. traceyim

    Tenant's request

    Hi Tarah, If you are going to go ahead get the PM to contact the tenants and let them know you are considering getting them installed and ask them to get at least two or three companies out to measure and quote the installation for you. If they want them then they can help out with the leg...
  15. traceyim

    Off-set accounts and setup.

    Hi Comper100, I agree with Rob you don't need a separate offset on each loan and it would be better to pay into the offset account than reduce the loan account. You can run your finances with one or two bank accounts (if you want to keep personal income/spending separate to rental...
  16. traceyim

    Somersoft Spreadsheet Collection

    Purchase Inspection Analysis This one can be handy to keep track of the properties you are viewing.
  17. traceyim

    How do you finance a new car purchase?

    Hi Andrew, Borrowing for a car makes it more difficult to get finance to purchase property. But if you have to to do it and the car is a relatively low priced car $20k it may be cheaper to get a low rate credit card. There are some available at around 10.5%. I advise to keep up the...
  18. traceyim

    Cross Collaterized - Advice ( still learning )

    Cross-collateralised help Hi Arthur, Go and see the bank but also go and see a good mortgage broker and explain you don't want to cross-collateralise. When you see the bank tomorrow ask them for a report on the best structure. Then take your time, Find out the cost of moving. Then see a...
  19. traceyim

    PIN March Meeting 31st March

    Next Meeting: Tuesday, 31st March 2009 Time: 7pm - 9pm Place: 31 McCoy Street, Myaree WA 6154 Map (Three Storey grey building - Cnr Rome Rd & McCoy Sts) Street Parking on McCoy St Cost: $2 for the tea club - Coffee, Tea & Snacks available email: [email protected]...
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