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I have only just learnt :mad: how much a credit card can impact your borrowing capacity. took me awhile.... My question is, on a dollar for dollar value do the banks look at personal loans & credit cards the same? Reason I ask, is that I'm about to get a personal loan to pay off a credit...

Hi We have been plodding along nicely but in hindsight could have done things better, smarter & quicker. Once you get a couple of IP under your belt where can you get good advice on matters such as: -when you may need to consider buying in another structure -tax minimisation...

Hi all Firstly I am completely naive with commercial investments ( as will probably be glaringly obvious with my post). But how do the big guys like Macca's (speficially) find their sites? I have my eye on a site which due to position and lack of close services think would be ideal for...

Hi all I have a duplex in Rockhampton, Qld, the previous owner did the firebreaks in the ceiling. So I don't think there is much to do to strata title them. I would only be doing it do hopefully increase their worth so I can pull some equity out. But... 1. What are the financial...

Hi all Wondering if anyone can recommend any tradies in the Gold Coast Regions (specifically Robina). Need to do some work to our kitchen and also would like to install ducted air cond upstairs. Thanks in advance Stacey

Hi all Firstly, very grumpy:mad: We bought a townhouse in Robina late 2008, changed property managers Feb 2009. Naively thought my body corporate fees were being paid by the new PM. Come tax time realised the error and made contact straight away, due to the fact we'd moved we haven't...

Hi all Am I forming the right opinion? Thinking of purchasing in either Brissy area or Sydney. But in regards to FHBG driving up prices, I'm thinking it may be smarter (and get bargain) to combine with other family members looking. As I can only look under $500k myself, combined we would...

Hi I'm really interested in a property which has an existing house and approval/plans for a duplex out the back. I'd really like to do a project like this, however having never done anything like this where do you start? Or how do you work out whether the asking price is ok, ie whats plans...

Hi all I'd like to consider a property with approval to build a duplex on the back. However based in SA now, I really wouldn't know who to use to build and/or over see the project. Does anyone know of anyone in Rockhampton, Central Qld Thanks Stacey

Hi Am considering purchasing a property in Tennant Creek, NT. It has a rental yield of 10% and that's without trying to haggle the price down. Tennant Creek has population growth of just under 3000, there doesn't appear to be anything on the radar that would stimulate capital growth...

Hi all I'm about to make an offer on 2 by 2bed units in Rockhampton, Qld. The asking price is $335 and I was going to start with $280k. The market is flat there and they have been for sale for a few months. However, the vendor has said that if he gets close to the asking price he do the...

Hi We're looking to buy in Sydney, hoping to find a 2bed unit/apart in a smallish complex fairly close to Sydney CBD. We're hoping to find something about 350k mark with capital growth being our goal. Not being overly familiar I'd like to hear opinions of where to look. At a quick glance...

Hi Have a curly one here: Are there any legal implications that wouldn't allow you to swap investment properties, ie make a deal with someone and sign over your respective property to the other (obviously looking at valuation comparisons etc). Reason I ask it that, we have a great...

Hi Interested in others opinion about using a buyers agent. I try to do as much research myself as I can, but not being that experienced it can be a bit hard. Also we frequently look outside our local area (interstate etc). So I'm wondering if it may be worth paying a buyers agent. Do...

HI Where do you find comprehensive information when trying to research locations, ie medians of the last 10 years, vaccancy rates, yields etc. I looked at the Real Estate authority in my state and they only had the latest median prices for suburbs. I've looked at RP Data but too me it's...

Hi Wondering what others opinions are on investing in unit's in aged care facilities. They are relatively cheap properties, with $$ returns to pay it off. Whilst the capital growth may not be as great, surely with our aging population it can't go backwards?? We have just bought our 2nd...