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Its been ages since I posted here. Nice to see some old timers still giving great information! We have a family trust and want to use a loan to buy some investment(s). The first investment is a part share in a commercial property. We would like to use the equity in properties held in...

Out of the big 4 banks + STG, does anyone know which loans they securitised and which they funded out of their own depositor base. Hypothetical example Bank A - securitised all no doc / low doc loans and funded full doc loans from its depositor base Bank B - securitised all loand...

Firstly Ozzy banks dont have deposit guarntees but seem to be on sound footing (well the big 4 anyway). I here that deposit guarantees are in the wings............? Secondly international banks - will the govt care if australian branches of these fail? - are any looking dodgy? ING...

Most of tem have taken a hammering over the last several months. At current prices they seem very good value. They may go down a bit more due to market sentiment but on fundamentals some seem very nice. Am I missing anything that should make me stay well away? Obviously there is a need...

Alot of people on here seem bitter about mad experiences with tenants. With the tight rental market, is anyone taking the opportunity to ask for more than the standard 1 months bond. In Victoria I think is the weekly rent is above $350 (ish?) there is no limit on how many weeks bond you and...

I like my accountant. He's easy to get on with, knowlegable, and generally gives good advice. He's also the director of his firm so after I speak to him, he passes my stuff to a junior. The junior gets help / direction from a senior ( a different guy to my accountant) so there are 3 people...

Scenario: - PPOR owned outright - PPOR is on a large block. Block could accomodate 3 townhouses if PPOR was knocked down or could leave PPOR and build a single large townhouse. - Plan on building / moving to a new PPOR in around 6 yrs Questions: - if we build a single townhouse in...

We have a silent line We have signed up to the do not call register https://www.donotcall.gov.au/ We still get telemarketing calls. Usually from Indian call centres who say they are using the Australian Directory (presumably an old one?). Is there anything we can do?

If 2 people own a property (unsure of structure) and there is no loan on the property then a) can one person claim all the income and expenses because he essentially looks after the property. or b) does everything have to be slpit 50 / 50 (unless otherwise specified in the ownership...

Taking off your investor / home owner / renter hat for the moment and looking at this objectively, would this help rebalance the property market relative to yield and wages? 1) There is a flat rate of land tax on all properties (PPOR, IP, Commercial). The money is distributed to councils so...

Scenario: New tenants move into an IP and say they don't know how to use certain appliances (eg water heater). The IP was bought on the open market and did not come with instruction booklets on all appliances. Previous tenants havent had problems so it is presumably working, they just don't...

I have to admit that in deciding what property to buy, my focus has been on CG. Well chosen property increases in value over the long term and all, etc. My attitude to yield has been very much an after thought - identify CG oriented suburbs and then gravitate to those which offer the better...

Lets say you found a prospective IP with the following characteristics: Pros: - 10% net yield (including deductions) - stable long term tenant with almost no vaccancies - history of steady rental increases - tenant has agreed to 10% pa rental increase for at least the next 2 years - the...

Activity Centres Its the term the Victoria Government is giving for the hubs / cities within the city of Melbourne. Their logic: its cheaper to centre people and employment around existing infrastructure than it is to continue to expand. Their hope is that people will do the majority of...

This is the first time I've seen a study comparing land prices with house prices: http://money.ninemsn.com.au/article.aspx?id=299850 Based on this, a hypothetical example: Property 1 House and land in melbourne. The house is newish and appealing to renters. The land lord can charge a...

I was looking through RE.com.au in the area where my IP is. Rents seem to have jumped $15-20 in 1 month. I calculated it out, and interestingly this is equivalent to covering 0.25% interest rate hike. Assumptions were 100% LVR, typical property for the area. I found it interesting because a...

Due to a change in career, vendor says SELL! :D http://www.domain.com.au/Public/PropertyDetails.aspx?adID=2006832414

http://www.news.com.au/heraldsun/story/0,21985,22741587-2862,00.html If I read this correctly, he signed the lease fully aware of the terms then immediately tried to change the terms of the lease. While he was within his rights to ask, the PM / landlord is well within thier rights to...

What's the best / worst time of year to buy (or sell) a property? I'm talking about seasonal variation, not economic cycles, ripple effects, etc. Eg Spring often heralds alot more housing stock. Is this a good time to buy (more supply) or a good time to sell (sellers listing their...

My PM is very communicative and follows up on my instructions (for this I'm thankful). I'm findind however that she comes back to me for instructions every step of the way. I'd prefer that she gets on and does the job but she says that this exposes her too much. Example: Broken Gas heater...