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Have applied to refinance a dual occupancy - 2 four bedroom homes on 2000m2. Bank will only go to 63% of valuation. Any clues on banks that would look more favourably at dual occs? Say up to 80%. Cathy

Ok - I'll ask it a different way - what amount do you factor in for each rental property for accounting fees? I understand that people have different structures so I am interested in those who are individual (or partnerships) taxpayers not trusts or companies. Thanks Cathy

Hi What is the cost of preparation of the rental statments for tax returns per property? Is there a standard rate for this? Cathy

Will a bank lend 80% for a house that has commercial zoning? Or will the LVR need to be lower? Cathy

Is 7 weeks too long for exchange of contracts in NSW? I sold mid June and still have not exchanged (giving me no firm settlement date). Purchaser's solicitor does one thing at a time eg gets a survey, then requests a building certificate - from the council no less! Should i just start...

I understand Qld stamp duty differentiates between PPOR and IP? How is this determined? I am considering buying but not moving in for a while, have a tenant in the meantime. What do I need to consider? Cathy

Any one have experience where a property boundary is not fenced correctly? I have found a property that appears to have the fence line well inside the property boundary. What are the implications for the neighbouring property? Cathy

I am moving to Hervey Bay (have a job) and would like to invest in the area. Opinions please? Cathy

Ruby has provided via a Sunstone post from the Archicentre site figures for paling fencing per lineal metre (1600- 1900). Prices range from $38- 64 metre. Thanks for that! Does anyone have an indicative price per lineal metre for supply and install of 1500mm fence for non metro NSW? Of...

Hi I have ips in a cold climate which need heaters replaced. What are your recommendations for heating either the living room or the whole house. These are small 3 bed properties, nothing fancy. Cathy

Hi maybe you can help me out here...... I finally decided to get my dual occupancy revalued as I was aware that (finally) the local market had moved. This was confirmed by agents, actual sales prices I was aware of, Residex and even by the local valuers themselves. Having been confounded by...

From: Cathy Baxter Has anyone done investment using ex olympic buildings? They are relocatable and still available. Any info appreciated. Cathy

From: Cathy Baxter Hi all When inspecting properties for purchase does anyone have a checklist that they use to ascertain a properties merits? If you do does this includes construction type items that a pre purchase building inspection might cover? If construction / condition issues can be...

From: Cathy Baxter Hi Am considering a land purchase of 5000 sq m which is within our council's 1 in 100 year flood area. However much of the block has been built up and is above that of the surrounding land. A survey will confirm whether the land is above or below the flood line. Has...

From: Cathy Baxter Hi Would lenders include income from punting when assessing loan eligibility and serviceability? Anon No really it's Cathy

From: Cathy Baxter Hi For those who manage their own properties how do you handle the repair / replacement of small items such as tap washers or electrical fuses. We have 2 properties within 1km of our place and have been called upon to replace these items at very inconvenient times like...

From: Cathy Baxter Hi Yesterday i attended the first meeting of Newcastle's Freestyler group and had the pleasure of listening to TW for the first time. She sure is an inspiration. Thanks for being there, TW. One of the things I came away with was how much she impressed on us to investigate...

From: Cathy Baxter Hi Anyone heard of or used Interest Savers software? They claim banks make mistakes in calculating interest on loans etc and by using this software mistakes can be found and you can use their reports to substantiate it to the bank. Apparently banks recognise the software...

From: Cathy Baxter Hi Where can i find figures on current building costs per square metre in NSW city and country? Thanks Cathy

From: Cathy Baxter Hi Currently applying for 2 loans – 1 for our company / trust entity and the other personally as joint tenants for investment property. Solicitor has provided all sorts of warnings regarding the terms and conditions of the loans and husband has got cold feet over both...