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    LMI Question

    Hello, I wanted to find out about LMI when borrowing more than 80%. Does the LMI take into account other home loans you have or just look at the current loan? I guess it depends if the same LMI insurer is being used for the new loan. Regards, Scheldon
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    Moving IP into HDT - VIC

    Hello, I want to move an IP that my wife and I bought as Tenants in Common into our HDT. It was our PPOR until we moved out in 2003 and started renting it out. I understand there is Stamp Duty payable, will it be exempt from CGT? Also what process do I need to make this transfer? Just...
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    Interest Rate Rises/Income Tax Cuts

    Hi, I was wondering what overall impact there is on Lenders Serviceability models with Rates going up and the Income tax cuts coming up? Usually rates going up means people can borrow less. But with income tax cuts, there should be more disposabe income to put towards a loan? Any...
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    Setting up HDT - Costs?

    Hi, What's the best way to setup a HDT? Through an Accountant or Solicitor? What would approx. costs be in setting it up? I read "Trust magic" and the costs mentioned were around $2-3K. I've seen some online sites that can prepare the trust deeds for around $1K. I want to find the most...
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