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No one can help you out here....only you can decide what is right for you. The greatest stumbling block to achieving anything of importance in your life is circumstances. We let circumstances get us off the hook when we should be giving it everything we've got. More dreams are shattered and...

Things are as simple or only as hard as one perceives them to be - its just people's 'perceptions' that complicate things! Food for thought.

Its rather simple really - Dont over complicate things! 1/ Decide what it is that you are ulitmately wanting to achieve from using property as your chosen wealth vehicle. 2/ Then allocate the time frame you are wanting to achieve it in. 3/ Then choose the best strategy (ie buy & hold, reno...

Heres a Cash bond Link . Hope this helps.

Yes the compounding CG across portfolio outstrips erosion from further purchase deposits, plus earlier properties become +ve. Hope this helps.

Hi Real, Due to the current world credit squeeze they (the banks & non bank lenders) have tightened their lending criteria however credit is still available - I have just topped up our credit limits. I also used Cashbonds to increase serviceability for attaining further full doc lending and...

Hi Wasp, Initially I borrowed against the equity in my PPOR for the first few IP's, and later using an LOC (used purely for investng) secured from those earlier purchased IPs. As your portfolio grows with each subsequent purchase (providing you bought good growth properties) your...

Hi Poyner, Initially I used 105-106% (of purchase price) OPM borrowed against existing equity. I borrowed this all in one loan x-colled secured by PPOR, then as that purchased property grew in value so that the loan had become 80% LVR I got the bank to un-x-coll. I was able to do this for the...

Thats the plan Melissa, provided one has acquired good growth properties conducive to the CGA plan. Hope this helps.

Great question Melissa, but thats not going to be a problem. Interest on funds borrowed for income producing purposes is tax deductible. Interest on funds borrowed for lifestyle funding is not tax deductible. CGA is a LOE (Living on Equity) strategy and as such you do not pay income tax in...

Im in Perth, a govt employee (not for too much longer) earning the average wage and personally have a Multi $Million Property Portfolio spread around Australia. This is a post that describes my investment strategy involving Villas & Townhouses. It may be of interest to you. The capital growth...

I dont intend to exit this world in a hurry but I still have to plan for when I do :(

I dont plan to meet my maker but I know I will one day :o

Whats you exit strategy Ernie?