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Hi, Just looking for some advice if the below is possible. I have a small freestanding property that was once a shop. It was converted some time ago into a residence and is currently zones as that. As a residence it would fetch a very minimal rent, similar to a flat only, around $380...

Hi, All income is declared and I pay taxes on it all. Business income is only counted on one that has been running for 5 years. There is no attempt to make my income look smaller than it is, if I could use the business income then I would.

Hi, I have two income streams from business which more than adequately cover the loan but cannot be counted as income at this stage. It is only the loan I am enquiring about. I understand if you cannot assist but please do not make comments about how I am going to eat, it is unhelpful and...

Hi, I would like to purchase a home for $600,000 with an income of $56,000. I know the big banks wont consider me but does anyone know if there are any alternate lenders that would consider lending to someone in my position. I have $80,000 as a deposit. Thanks

Both of us would like to come along also for our first meeting if its not too late. Thanks

Hi, I am looking at buying a two story warehouse type residence in a site that was a factory but has now been developed into approximately 10 warehouses which have been residences for over 8 years now. I was thinking about dividing it into two apartments and wondered if anyone else had done...

Hi, I have a family trust which is not making money which has two negatively geared property in it. I don't want to sell either of these properties. To create some positive cash flow in the trust I thought about buying shares or gold etc. I am an inexperienced investor and thought that I'd ask...

Hi, Thankyou for the replys. The floor needs replacing otherwise I would keep it. Tenants have been pretty rough with it an one tenant kept a couple of dogs inside and they used it for a toilet, after spending alot of money trying to get the smell out of the floor it still smells of urine...

Hi, I have a wooden floor and am wanting to replace it with a concrete slab. Unfortunately it is going to cost approx. $10,000. Has anyone put concrete tiles over the top of the wooden floors as I am considering this as an option? Thanks

97% Loan on trust Hi, Are there any lenders that lend 97% for a loan through a trust? Thanks

Hi, I am looking for a town planner to assist me in a mixed zoning application with local council. I was wondering if anyone had used one in Melbourne and could pass on any details / recommendations if you were happy. Thanks

It was from the CBA. Would we be able to increase our borrowing capacity to $800,000 if we cross collateralised our properties?

I currently have a one bedroom house in Spotswood Melbourne worth approx. $600,000 which I owe $440,000. I would like to rent out this house and would get $400 per week. We would like to purchase another home for approx. $800,000 but our borrowing capacity according to the bank is $500,000...

Hello, I was wondering if anyone could help. I want to rezone my house (which was once a shop) from residential to commercial but I want to engage someone to do it. Has anyone done this before and could recommend someone to us. We are in Melbourne. Thanks

Hello, Can anyone explain to me what the restrictions are on a property zoned 'Business 2' in Melbourne. I have done a search but nothing came up. Thankyou.

Hi, My brother has just purchased an apple imac and he was wondering if the PIA software is suitable for using on it. He asked me as he wants to monitor his current investment on it and use it to evaluate any good deals but i was'nt sure. If it is not suitable, can anyone advise any other...

Hello, I have sold one of my houses. It was on the market for $225,000 (on advice of agent), I was offered $195,000 which I initially declined. I received a unconditional written offer for $195,000 which I decided to accept and verbally advised the agent. The agent brought the paperwork over...

Hello, I have a property in rural victoria which I am currently living in. I have decided to sell rather than rent because I am moving. The re agent that sold another house for me recently told me that I should put it on the market at a price between bracket starting at $40,000 lower than I...

Hi I know this is a really basic question but do you pay an auction fee if the property is not sold on the day. Thanks

Hello, I listed my property for auction in November one month ago with a reasonable reserve price. Our agent told us last week that the market is volatile and has changed considerably since we signed the property for auction and recommended that we drop the reserve price by at least $20,000...