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In regards to purchasing cost such as legal fees, stamp duty, and all other costs, is it possible that we can include these into the loan just like including LMI?

Heard this many times yet not so sure how it can happen if all the IP is cashflow positive. Is this something that only happen in neg gearing investment? Let's have an average joe and jane scenario where they both earn average income. Can the gurus give me an example please and how to avoid this...

I'm pretty sure we can get IO loans for PPOR because I've read many thread regarding this in SS forum. But my friend who happens to be a broker (haven't signed up any loan with him) told me it's impossible. He adamantly claim that we can only proceed with P&I for PPOR because he needs to explain...

As the title says, I'd like to know how you would invest it wisely in property market? Say if you are someone witj average income $60k and suddenly won a lotto or receive massive inheritance or workers comp, etc. Let's not go into buying ferraris or mcmansion house. Just investing and limited to...

So I'm currently purchasing OTP $530k and paid 5% deposit. If say next year the property is completed and the value increases hypothetically $600k, will the bank lend me on the $530k value or the new value $600k? Sorry for the noob question.

I've been hearing 100% LVR for purchase by using guarantee loan. However I'm still confuse how this actually works. From what I gather: Use parent's PPOR equity to finance 20% of the purchase. The question is for the actual borrower, do they have to pay 2 loans: The 80% bit on the actual...

As good as trust structure offers, wouldn't it be more difficult to acquire bank loan if trust is used? I mean not all the banks do trust so this will minimize the option available. What are your thoughts, brokers? Thanks lads

First of all, I apologize if this post may offended property owners in QLD. I'm based in Sydney NSW and I hear lots of natural disasters affecting properties in QLD yet I still see many investment opportunities being marketed in QLD due to their cheaper market price. Being green and lack of...

After unlocking some equity from PPOR, many elite brokers in this forum mentioned about using IO redraw and LOC. Could anyone please highlight the pros and cons between these two? Extra question: is LVR 80% is the way to go for 1st IP when using the equity from PPOR? Somehow I read other...

After reading so many post, it appears that most brokers in these forum are leaning toward I/O loans during accumulation phase. I just want to know what is the next strategy after say 20 years of keep accumulating. Do you guys mainly sell down the old ones that have gained in value to pay off...

Hi people, I'm amazed at so much info you guys have in this forum. After reading these particular section on property finance, I'm so convinced in building my portfolio. I just have few questions that and hopefully expert forum members can help me clarify the cloud. 1) I'm still renting...

Hi, I've read a few topics in this forum about splitter and it seems most of them are in QLD. It appears that Queenslander are more entrepreneurial with IP. However, I'm planning to start a splitter project myself in Sydney and just need help with information about the average cost involve...

With $200,000 what will be the better option? 1. buy $500k Resi for $100k deposit at 20% LVR and around $25k costs then build granny flat approx $75k then rent both out OR 2. use $175k deposit for $525k CP with 70% LVR and around $25k costs then hoping you get 8% Yield? I'd like to...

I heard some stories that CIP loans are based on valuation of the property (NOI/Cap Rate) instead of the purchase price. If that's true, what would the deposit based on? Is it the valuation or purchase price? Here's some number: NOI: $50,000 Cap: 8% Value: $625,000 Owner asking price...

Most CIP investors seem to go after higher yield for their return which in this case many is only available in regional town or maybe in the other state. Plenty of investment advices from magazines and articles discussed this and they are saying it is possible to purchase property remotely...

I was wondering if we are able to put closing cost (legal, stamp duty, GST, etc) into the commercial loan? Say for example the property cost is $350,000 plus GST. Stamp duty + legal 5% of property cost $17,500 (just for simplicity) And DD by pest report, survey, etc $2500 Total $405,000...

Hi guys, This is my first post in this forum. I have learnt a vast amount of knowledge in regards to CIP here in this forum just by reading your posts. Thank You for that! I was wondering how a developer can legally secure a tenant before they actually develop the property? Let's say you...