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I'd say off the boil would be an understatement.. I would expect a Perth style reversion back to a sensible level of pricing over the coming year. It's taking a while to feed through, but asking prices are dropping significantly (I have seen some places in the $900k range dropping asking prices...

Unlikely to have noticed, when we bought it was during the dry season here. Wasn't in the inspection report. It only happens in very heavy rains (i.e. 200mm+ in a day). The water in the house is a dribble, but no doubt damaging the wooden skirting on the floor. There is no carpet in the...

Hi all I am currently leasing a property to DHA, with lease expiry in 2012 and a further 3 year option. I bought the property from DHA themselves, 3 years ago now, and it has been relatively hassle free. However, they called me the other day saying they have gotten quotes to fix a drainage...

One more question... If we do go down the family trust route... Who owns the property? I assume the trust is the entity on the title certificate? Does it matter if the borrowers are myself and my wife (the trustees).. note that the property will not be taken as security by the bank...

Hi All My wife and I are buying a strata titled office which settles in 2 weeks. We are buying it in our own names and leasing it to my business which is a company. We will of course, lease it at market rates to keep everything at arms length. The office is brand new and the purchase price...

I tried! Just got sick of fighting it (especially with the local lender) and in the end had to accept 0.75% and an annual fee waiver from the call centre. 0.9% was what I was looking for.

Hi Y33, I've dealt with Darwin, Casuarina and Palmerston over the years. Certainly doesn't seem they can retain decent staff. The best person I dealt with was Vinni when she was in lending but she has now become a branch manager at Palmerston. Was always very accommodating and pushed hard...

Thank you. As usual this forum is a wealth of information :) I have gone ahead with it being quite reassured now that I won't be up for any surprises. It would be nice for St George to address a few issues - the names of the two fees are very close which can be misleading and secondly...

It was, but I'm now switching this loan to an Advantage package instead of it reverting to the standard variable rate. So I'm not worried in the least about the existing loan, its what happens when it converts to an Advantage package loan in 20 days time. As mentioned, they will not provide...

Hi guys Well I have a really bad taste in my mouth now. I called again (the Gold Service number this time) and the gold service representative told me that yes it definitely applies. They were happy to let me go to another bank (whatever happened to loan retention). Gold Service...

Hi All Wondering if anyone could help with this. I have a 3 year fixed rate with St George about to expire (20 days from now) and just received the documentation for it to revert to an Advantage Package loan (5.04% variable - discount 0.75%). In the acknowledgment form info (doesn't...

I have just put my DHA property up for sale here in Darwin. It's unfortunate I'm selling it now as its still under lease until 2012 so I am having to offer it below a price that would be achievable if an owner occupier could purchase it. It's up at $727K with a $700pw rent (a 5% yield). I...

Did you write into the paper about this the other day? Saw a mention of something very similar in the letters section of the NT News. Wasn't a villa in Durack was it?

Definitely not in my opinion. In late 2004 when I bought my block of land, a decent sized block in Rosebery was $60,000 and they were struggling to shift them. When demand picked up, they jumped to $160-180,000 literally overnight. They have now jumped again to the mid (sometimes even high)...

You can't see the obvious contradiction in your own post? Shunned by doctors? and you then go on to post references to it by cardiology journals. The difference between doctors and unqualified whackos is they use drugs like Coenzyme Q10 (yes, its a drug, whether you call it "natural" or...

I'm surprised someone pulled the conspiracy theory card so quickly. I think you'll find most drug companies continue to produce medications after their patents expire. They just charge less because they have to compete with generics. Hard to blame them for wanting to recoup billions of dollars...

the reason its "alternative" medicine is because it doesn't work. if it worked and had peer reviewed studies and trials to back it up it would just be medicine. the only upside is psychological - you get a generally friendly person who gives you a long appointment and makes you feel like your...

You can avoid the FBT issue (it doesn't avoid the cost obviously) by keeping a log book for 12 weeks and apportioning private use vs business use. You then use the business use % to apportion deductions for all costs. Obviously there is no tax deductibility on the private portion. My...

Hi All I'm looking at selling an IP in the next few months and have a couple of questions. 1. A potential buyer is my tenant. She has indicated she would want the place recarpeted and repainted - both are definitely due. If I were to do this, if I understand correctly this is not immediately...

In case anyone is interested.... I got stiffed on the 5.19% 3 year fixed rate. As Rolf said and also their consultants on the phone, the fixed rate is as at the time of application not at the time of approval. That certainly seemed positive. I applied on the 19th of April, the day before the...