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  1. J

    RAMS 85% lo doc still going?

    90% LVR lo doc at 8.25%. Can I ask which lender is this Peter? John
  2. J

    Loan structuring advice

    The starting Purpose of the loan is for PROP. Does it mean that say I have a starting loan of $500,000 which is non deductible, I put a lumpsum of $100,000 and redraw it for my business thus making $100,000 as deductable. Then say I put a lumpsum of $50,000 back into the loan, so I will be...
  3. J

    Loan structuring advice

    Hi, I need some advice to maximise the deductibility of my loan. I am self employed and going for a 90% lo doc loan. As I cannot get an offset account, I am planning to get an interest only loan. I will have about $100,000 sitting in my Business bank account for working capital. When I need...
  4. J

    Delayed Settlement

    Hi, I have found a PROP and have asked for a 4 month settlement. I would like to know when is the stamp duty payable on the property. Is it the date when we exchange contracts or the time when we settle which will be after 4 months. This property is in NSW. Regards, John
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