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MTR, your comment clarified it for me in deciding whether to refinance or sell to release equity - will holding a property with the revised interest rates and costs hurt me if/when the prices drop?? Better to take a smaller profit now and be able to keep going rather than try to wring the...

Thanks Terry for your comment about the income from capital gains generally not being counted as income for serviceability purposes. I agree that financiers wouldn't treat this as a regular income unless this was your main business. It interested me that at this month's market update in Sydney...

Steve McKnight is someone who recommends selling to release equity as the transaction (hopefully profit!) shows on that year's tax statement, which is then assessed as part of the documentation for a new loan. He explains that unless you are a very high income earner, at some point the cash flow...

I read a post from Todd Hunter on the online YIP about selling to release equity and cash and releasing equity through refinancing (and hence never selling, or not selling for a long time) - www.yourinvestmentpropertymag.com.au/expert-advice/todd-hunter/the-old-myth--property-forever-199347.aspx...