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Thanks Marty29! That confirms what the ING call center girl said regarding rolling over the IO period into another term. I too assumed it would just roll over, as per Ms Jade's assumption. I'm taking 12 months Bradsdad. However after Paid maternity leave and anual leave its only 6 months...

Thanks everyone. I'm not too concerned if they deny my IO application, I can afford the extra $640 pm, but would rather not have too. It could, however, be quite devestating if they took the existing loan away from me or changed the conditions on that loan in any way. Which is why I was thinking...

Hi, I've just received a letter from ING that one of my loans is transitioning from IO to PI next month. I was hoping to extend the IO period for another 5 years but am concerned about putting in the loan variation form because I'm 6 months pregnant and the form asks if there is anything...

This is just a gotcha that I thought I'd share so as other people dont make my mistake. I had my handover for my new property on Tuesday but I didnt want to hand any money over on that day as I wanted to have the walk through first. I therefor didnt receive my keys at my handover... It was just...

I would go with 3 bed and a bathroom + 2 way and WIR to master bedroom

In my particular council area a Tree does not have to be 'known' by the council to be a 'Significant tree'. It only has to fit the requirements i.e greater than 2 m circumference & 1m above the ground. I am trying as we speek to get permission to relocate a Palm Tree from my front lawn to a...

I think that a lot of investors are waiting for the FHOG to finish before they buy. This is just my oppinion though based on my own sentiment of not wanting to compete in the current market. Perhaps the market will slow when the FHOG ends or if there are enough investors like myself we will...

I know you said you didnt want to buy a portable stove top as you wont use it, but what about an electric frying pan. I have one of these and use it to make all my one pan meals such as spaggetti bolognese, tuna bake, stir fry's, curries. anything that you can think of really that has some sort...

Thanks Wylie, you have inspired me to try again with my accountant. Ill try making a storey like you have suggested and attach my receipts as the story goes along.

So how do people organise their documentation for their accountant? I spent hours one year putting everything into a spread sheet to make it easier for the accountant. Hoping that they would be able to do the job quicker and thus save me money, but I'm pretty sure they didnt use it at all and...

David Murray CONSULTING ENGINEER Adelaide Pre-purchase Inspections Nat Murray & Associates, Consulting Engineers www.appi.com.au I found him to be very thorough.

A little off topic, but someone mentioned earlier in the thread the if a property was in a trust then it is also 50% CGT exempt, just like my PPOR. is this just for the first property in the trust? or for all of them? and why would being in a trust make them discounted CGT?

thanks Ozperp, that was the sort of stuff I was after :) I spent a few hours last night and found a fair few places in the city that I can stay at with my little man.

yes I think you are being harsh. there are 24 hours in a day. I will be away from home for work for 9 that still leaves 7 hours of awake time for walks and cuddles and play time. I will not be going home every weekend either... I am 100% confident that he feels very happy and loved. but thankyou...

Hi all, I have to go to Brisbane for at least 3 months for work. flying home on the weekends. does anyone know of any accommodation that I can stay at with my pug dog, no more than 3km from the cbd. and does anyone know of anywhere I can put my doggie on the weekends when I fly home...

I usually get the contract then do the conveyancing searches within the cooling off period. I have no idea if this is bad advice or not, just what I do. I have read that some people put it in the subject too's. i.e subject to satisfactory searches by certified conveyancer of my choice, or...

My council has allowed my neighbour and I to put a driveway easement between our properties 1.6 meters on my side and 1.4 on hers to make a driveway to the back of our properties and they are going to put in a new driveway curb cut-in (at a price of course) I think it just depends on the...

Thanks Rolf, I really appreciate your advice!

so then existing customers with these types of loans would be forced to switch to other products? or would they just stop handing out these loans to new customers? do the 30 year IO generally have good interest rates? What are your thoughts on the 3.99% interest rate loan that has featured in...

wow 30 years IO I have never heard of such things :)