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Hi all I recently just brought a villa in Dec 2012 and some issues have occurred. I did not build this villa, but brought it off the seller that build the villas on there behalf. They own the land with a house back then and decided to knock It down. I'm unsure what my rights are in...

Hi all, Recently got a Villa and a loan for 402k the rate at the time was 5.75% on the loan document with homeside plus loan paying principle and interest for 30 years On the document it clearly states 360* $2407.29 When I put these figures into a homeloan calculator online it gives me...

Pre-settlement inspection this coming tuesday need advice on some issues Hi all, Just wanted to run this past some experience people on the forum. I have just purchased a villa 3x2x2 in Nollamara its brand new and just been completed. I brought this off the seller who contracted builder...

Hi All I have just purchased a Villa in a block of 3 that is due for completion in 12 weeks. Because I am Located in the middle of the 3 our driveway is common area to mine and the last villa. The Villa’s have no strata management at all so individual owners have to take out insurance or go...

Hi All, I’m just considering my options on how to structure my loan to buy my PPOR without cross loans and avoiding mortgage insurance. IP: Bank Value 550k Loan Homeside 365K Offset account I have 55k Bank Guarantee with CBA 50k (recent deal I have just pulled out of that I can...

Hi All, So today I went and had a look at the townhouse I was interested in it was Advertised at From 470k. After a bit of looking and working out if it was the right place we decided to test the waters. I wanted to start it off at 425k but agent told me that its not even worth her while...

Hi all, Ive been living in Perth for about 18 months now and i'm seriously considering buying PPOR as I think my job will be pretty permanant here. Me and my wife currently live in Yokine just a bit below Morley drive renting 3x2x2 villa we know the landlords but they still have agents to...

Hi all, Just a Noob question. I have brought an apartment that required a bank guarantee from CBA in 2009. This is off the plan and hasn't commenced building yet. ETA completion 2013. Question is once completed whats the best way to go about changing banks? My other home loan is...

Hi All, ive been renting my IP 3 bedroom with spa ground level in Leanyer in Darwin for 2 years at $420 lease expires this june. Have been told by my PM what I would like to do. with the rent apprasial its should be from $420-430 pe week in this rental market. I actually lock it in for 2...

Hi all this is driving me insane and requires some level headed advice. My rental payments are fortnightly so last payments were 10/2/2011 $710 24/2/2011 $710 The next payment is suppose to be 10/3/2011 $710 I Vacate and hand keys back on the 12/3/2011 state in contract...

Hi All, I’m in a situation where I have found something better which and I’m ready to move in. They have advised me that the current tenants contract ends on march 12 and have been advised them it will not be renewed. So I can move in. They have been advised since Jan from what I was told...

Hi All, Just wondering if anyone can recommend a good cleaner prior to unit inspection. we are going to leave this current place and will get the agents cleaners for carpert as per contract. But before I get the realestates one I wanna give it the once over. I'm tossing whether to clean...

Hi All I just recently moved to Perth since August last year and looking to buy PPRO in the near future. This issues I have is I have an IP property in Darwin 3 bedroom house in Leanyer purchased for 400k 2009, my loan interest only for this IP is at 340k and have 30k in and offset...

Hi all, Just moved to Perth from Darwin since August last year and currently renting in tuart hill but soon moving back to yokine and renting off a friends auntie. As my job security has just been secured and wife is also working i'm looking at potential suburbs to settle down. What are...

Hi all, I just decided to refinace my loan from Westpac and heard how good the rates were at HOMESIDE so I have got my broker to orgaise the paper work. I now have the contract and have been reading it a few times, 30 year 5 years interest only at 6.47% reverts back to 6.77% after 5...

Hi All, I just purchased a house of my parents for 400k last year in September, I rented it out straight away. So in eg 3 years time its worth 500k, increase of 100k I pay 50% CGT to gov and I get the other half etc ? If let say I rent it out for 2 years, then decided to live in it for...

Hi all, I just purchased my property last year and stumbled onto this forum and Rental depreciation. I have been reading up quite a bit and decided to find out when my IP was built. While I'm quite new to this I think I work out with the assistance of the lady at the counter that it was...