PropertyInvesting.com | BMW330Ci | Activity https://www.propertyinvesting.com/members/bmw330ci/activity/ Activity feed for BMW330Ci. Thu, 06 Nov 2025 11:33:34 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 b98324417ff78d6b28689abc0da02ace BMW330Ci replied to the topic ANZ Loans disconnect with their customers. in the forum Finance https://www.propertyinvesting.com/topic/4406053-anz-loans-disconnect-with-their-customers/#post-4665278 Mon, 12 Mar 2012 01:07:38 +0000 Very true what Michael and Jamie have said.
Perhaps engaging a Finance Broke to look after you. A good broker would be able to find the appropriate Lender and finance package which is suitable to that specific investment you want.

In saying that, many Lenders have changed policies over the past 24 months. There are good points with each Lender,…[Read more]

]]> 20d4b224b18b9d28b2a645f08641239f BMW330Ci replied to the topic off set account on PPOR future IP in the forum Hi Dirty, I understand what https://www.propertyinvesting.com/topic/4393925-off-set-account-on-ppor-future-ip/#post-4591357 Sat, 02 Aug 2008 10:50:35 +0000 Hi Dirty,I understand what you are trying to do.What I may suggest is firstly, switch your current PPOR loan from P/I to Interest Only.When your partner sells the Inv Property and pay.cose her mortgage, there will be $250K left over (less any capital gains and selling cost etc). You want to them transfer these funds into your offset account which…[Read more]

]]> b67ece0adef884bc30fe94aff37f4663 BMW330Ci replied to the topic Overseas Financing: 1% - 3% interest? in the forum Overseas Deals https://www.propertyinvesting.com/topic/4384129-overseas-financing-1-3-interest/#post-4540347 Wed, 04 Jun 2008 12:19:22 +0000 Wait…Let me get this straight.Lets say I am an Australian Citizen, and i go over overseas to Greece and work, and also hold Greek Citizenship. I get paid in Euros in Greece. I have 20% Deposit (plus costs etc), and wish to purchase an Investment property here in Australia.In this instance – I arrange finance with an Australian Bank (lets say CB…[Read more]

]]> ed153803073b2cab89a4213dcab0f534 BMW330Ci replied to the topic Home Loan help! What to do? in the forum ING do not have offset, but https://www.propertyinvesting.com/topic/4393368-home-loan-help-what-to-do/#post-4588271 Sun, 01 Jun 2008 02:32:15 +0000 ING do not have offset, but they do provide Line of Credit.If you buy a property up north (rather than rent), change your current ING laon to just I/O, and the new property purchase, structure the laon so that is does have offset account and deposit your incomes in the offset, and have direct debits come from that offset to make repayments on both Loans.

]]> 74cf698b401b50e69abbcd24ff2a2711 BMW330Ci replied to the topic LoDoc loan recommendations? (just got my ABN) in the forum Finance https://www.propertyinvesting.com/topic/4393009-lodoc-loan-recommendations-just-got-my-abn/#post-4586119 Thu, 01 May 2008 10:46:36 +0000 Thanks for the clarifcation Richard.

]]> a6470772f7c9282be89ab35633f8fc33 BMW330Ci replied to the topic LoDoc loan recommendations? (just got my ABN) in the forum Finance https://www.propertyinvesting.com/topic/4393009-lodoc-loan-recommendations-just-got-my-abn/#post-4586116 Mon, 28 Apr 2008 12:44:35 +0000 Richard – you mentioned PAYG lodoc, whats the max LVR for such finance?Also, a while ago i recall Westpac didnt check whether the applicant was GST registered or not, or even ABN. Though as Terry mentioned, things have changed alot lately, so it may be worth while checking out just in case.

]]> edd543fcff99055e63ed1504af5e3484 BMW330Ci replied to the topic Non Resident loan in the forum Finance https://www.propertyinvesting.com/topic/4392899-non-resident-loan/#post-4585654 Sun, 20 Apr 2008 13:42:48 +0000 sorry to hijack the thread – but quick question:Is there ANY lender outhere irrespective of the % rate, that will lend more than 80% for a non-permanent resident working in Australia. They will be eligble October this year to apply for permenant residency, but in meant time they are on working-visa.Anyone?

]]> 847c884de804529e75d40426ad85adfa BMW330Ci replied to the topic multiple pre-approvals?? in the forum Finance https://www.propertyinvesting.com/topic/4392960-multiple-pre-approvals/#post-4585935 Sun, 20 Apr 2008 13:37:17 +0000 HI extradry, Sorry for mis-understanding you. No you should not a problem for going with one more at thsi present time. And down the track fi you wish to purchase more Inv properties, that wont be a problem also.However also – your MB shoudl be able to pre-qualify you and give you feedback whether it is necessery to apply for a pre-approval or n…[Read more]

]]> 3e6dde93c68dc474065eec3d485967c1 BMW330Ci replied to the topic multiple pre-approvals?? in the forum Finance https://www.propertyinvesting.com/topic/4392960-multiple-pre-approvals/#post-4585932 Sun, 20 Apr 2008 06:52:33 +0000 Having a few pre-aprovals handy, i am guess you mean applying for a pre-approval through a few different lenders at a time.What benefit do you have in this?Remember, that a pre-appoval means 'that your financial situation has been assessed and that you deem eligble for a loan within the parameters mentioned in the pre-approval offer". You are not…[Read more]

]]> 484b1d43ea065e052261eb0972353499 BMW330Ci replied to the topic Last major Nodoc lender withdraws from Australian Market in the forum Finance https://www.propertyinvesting.com/topic/4392554-last-major-nodoc-lender-withdraws-from-australian-market/#post-4583872 Tue, 11 Mar 2008 07:48:46 +0000 So does this mean, if i already have an existing Macquarie Home loan, and wish to buy another property in the coming weeks, I cant get that new loan through Macquarie? 

]]> 428cafd46f33679cb4bbc66b195fdfc0 BMW330Ci replied to the topic Taxi PLate finance in the forum Finance https://www.propertyinvesting.com/topic/4390871-taxi-plate-finance/#post-4574497 Mon, 24 Sep 2007 07:43:08 +0000 Thanks for the input again Cameron.Regarding the low-doc, if i provide full financials – i am pretty sure it may not service as my taxable income is very low (tyical self employed), but i have mortgages to the hilt.So that is why i was wondering, if i just delcared an 'income' for myself + the income generated from the taxi plate, would this be…[Read more]

]]> bdfb3b6901e810cd124c5df60d7891a1 BMW330Ci replied to the topic Taxi PLate finance in the forum Finance https://www.propertyinvesting.com/topic/4390871-taxi-plate-finance/#post-4574494 Sun, 23 Sep 2007 10:16:51 +0000 Thanks Cameron,When you say higher interest rates, how much higher than residential? would they be aroud the 8.5% mark?Also, what if wanted low doc? If i keep it below the 60% LVR threshold as you mentioned, would they consider low doc for these types of purchases?To give you an idea, i seen a few taxi plates around the $330,000 – $350,000 mark an…[Read more]

]]> fef9fe4f4796b3067cafb9b17422f5a7 BMW330Ci replied to the topic 100% offset for investment in the forum Finance https://www.propertyinvesting.com/topic/4390534-100-offset-for-investment/#post-4572592 Fri, 24 Aug 2007 05:02:30 +0000 Thanks for the input guys!

]]> 770230d4d3d0714f475060aadc6357fd BMW330Ci replied to the topic Favourite lender in the forum Finance https://www.propertyinvesting.com/topic/4390471-favourite-lender/#post-4572246 Tue, 21 Aug 2007 05:20:04 +0000 Richard,So the Low doc finance product that is available to you is through a Mortgage Mananger, NOT through Adelaide Bank directly?

]]> 1df4d16db8d43c3fd9342f94dcf1d03e BMW330Ci replied to the topic Favourite lender in the forum Finance https://www.propertyinvesting.com/topic/4390471-favourite-lender/#post-4572244 Wed, 15 Aug 2007 09:19:15 +0000 Thanks for the reply guys.I am in ACT, and the brokers here apparently say that Adelaide do not provide low doc loans, they apparently only have 3 finane packages available. Maybe its not available to every broker. So not many use ING or Bankwest?

]]> 9aabc79c208c06b367ffe9a7bc002e25 BMW330Ci replied to the topic Exciting new 100% loan launched today in the forum I believe St. George offer https://www.propertyinvesting.com/topic/4390179-exciting-new-100-loan-launched-today/#post-4570567 Tue, 14 Aug 2007 11:04:06 +0000 I believe St. George offer a similar finance package – No Deposit 'Quick Start' with a 0.32% loading on the Standard Variable.

]]> 72e09a077e8fbfce705e5c162ee18804 BMW330Ci replied to the topic Mortgage product advice please in the forum Finance https://www.propertyinvesting.com/topic/4388803-mortgage-product-advice-please/#post-4563858 Mon, 12 Mar 2007 16:01:59 +0000 Sorry Richard, what i meant by stringent was that their credit policy (cat 1 only, no low docs, no non-permanant residence etc) is pretty strict. Their service and turn around times are on of the best.

Their suite is exceptional yes.

]]> 75cd2e60be8aa6cdc716921bcb171d39 BMW330Ci replied to the topic Mortgage product advice please in the forum Finance https://www.propertyinvesting.com/topic/4388803-mortgage-product-advice-please/#post-4563856 Mon, 12 Mar 2007 11:30:02 +0000 Hi Alto,

If you want a bank that has good product and offset account, Adelaide Bank si way up there IMO.
Only problem is, that they have a much more stringent criteria and credit polciies. But if you meet their requirements, they are execptional.

]]> 316399b9fedf2e7a3ba65cb0681757df BMW330Ci replied to the topic Canberra rental experiences in the forum Help Needed! https://www.propertyinvesting.com/topic/4388765-canberra-rental-experiences/#post-4563718 Wed, 07 Mar 2007 13:52:27 +0000 Hi Raddles,

If you want a Real estate agent to really take care of your property, I do very much recommend John Dunn from Dywer Dunn Property Consultants in Kingston. I havea few properties in canberra, and i never put all properties in the same basket. Other real estate agents that are managing my other properties are useless, esspecialy…[Read more]

]]> 21d355bd91f28f4268e8fd0fb2ab3803 BMW330Ci replied to the topic For the morgtgage brokers - land loan in the forum Finance https://www.propertyinvesting.com/topic/4387370-for-the-morgtgage-brokers-land-loan/#post-4557214 Sat, 11 Nov 2006 13:13:03 +0000 Redleaves,

What Some construction loan products offer is what we call ‘progressive draw downs’.
What this means is that, during the construction phase of your property, the Bank/lener will release the funds to the builder in stages. And you will only pay interest ONLY, on the amount of money released. Once all 4/5 stages of the building process…[Read more]

]]> 36bf4e6b5c14fbc1fa7df2464f9e9ea8 BMW330Ci replied to the topic Most EXPENSIVE IP you Purchased in the forum No Subject https://www.propertyinvesting.com/topic/4385861-most-expensive-ip-you-purchased/#post-4550231 Sun, 18 Jun 2006 09:09:07 +0000 OK… no responses..
Well since I started the thread, I think its appropriate I give my answer.
I purchased 850,000 a few weeks ago (borrowed 500,000). It was residential and is now rented at $1,050 per week.

]]> 099bfa4456ee6f42ad06241d9db187a0 BMW330Ci replied to the topic What type of vehicle do you have ?? in the forum Opinionated! https://www.propertyinvesting.com/topic/4381491-what-type-of-vehicle-do-you-have/page/8/#post-4524799 Fri, 09 Jun 2006 14:28:05 +0000 BMW 330Ci INDIVIDUAL

]]> 81e6f21bfa032f0c0fcafe8c331b180c BMW330Ci replied to the topic Whats The MAx price in the forum General Property https://www.propertyinvesting.com/topic/4385729-whats-the-max-price/#post-4549565 Tue, 06 Jun 2006 13:16:01 +0000 The Dirt is worth (government evaluates) it around $420,000
If however, there was no house on the hill (its basically situated on top of a hill!) and the land went for auction (to find market value)
it would easily hit $600,000+

The potential income as i mentioned ($1,600) is playing it safe.
As the property WAS last leased out for $2,000 per…[Read more]

]]> 258a6ab98ff6a7ab4833312f7dc94b26 BMW330Ci replied to the topic how to not answer a real estate agent?? in the forum General Property https://www.propertyinvesting.com/topic/4385693-how-to-not-answer-a-real-estate-agent/#post-4548305 Mon, 05 Jun 2006 05:59:27 +0000 I rarely give them a price range at all.
I tell them, it doesnt depend on my piggy bank, but the the property itself. If the property is good and I like it, I will give u an offer for that particular property.
Every single property has their own set of qaulities and niche potential.

]]> b47b8bd6063df7cc531a9cc0efa4c82c BMW330Ci replied to the topic What would you do if you were me? in the forum Help Needed! https://www.propertyinvesting.com/topic/4385598-what-would-you-do-if-you-were-me-2/#post-4547896 Wed, 24 May 2006 13:49:02 +0000 You borrowed $300,000 at 1.5%?

]]> d56e0bbfcfcbd59bb40d1fb4defa1289 BMW330Ci replied to the topic Self funded superannuation and property in the forum Legal & Accounting https://www.propertyinvesting.com/topic/4385504-self-funded-superannuation-and-property/#post-4547507 Fri, 19 May 2006 12:03:49 +0000 I was informed that any income from the super fund will be taxed at a flat rate of 15%. You can then transfer it to yourself.

]]> 17717d0cc70802aaf4e515a70073ca35 BMW330Ci replied to the topic Canberra's long-term future in the forum No Subject https://www.propertyinvesting.com/topic/4385219-canberras-long-term-future/#post-4546236 Fri, 28 Apr 2006 15:09:43 +0000 I am fairly new on this forum, but i am glad to see someone from Canberra too :).

Well my view of the whole scenario is kind of skewed. There are many crucial factors that everyone is hoping to have answers to sometime within the next few months.

You may notice that buyers and sellers are weary of the market. their not sure whether it will stay…[Read more]

]]> c58651bf3f3fe85b4f3043c0011ec8e1 BMW330Ci replied to the topic Am I Missing something? in the forum No Subject https://www.propertyinvesting.com/topic/4384556-am-i-missing-something-2/#post-4542790 Thu, 02 Mar 2006 20:10:13 +0000 Wow, thanks for the quick response! (esspecially at this time of night)
well, as long as Australian and Moroccan Diplomatic relations are normal (if we dont decide to invade them within the enxt few years or so… hehehe) they of course would be happy to stay their indefinatly, as not only will that be the Chancellors Residence, but also their…[Read more]

]]>