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If i am to set up a trust or company structure, am I (as an individual) still on the loan documents? Do I have to essentially go guarantor for the loan and give all my financial details to the bank. Say if I was wanting to set it up for my young daughter, who has no income. If I had a say...

We are going to be selling our PPOR soon and I was wondering how much everyone else told their agents about *why* they were selling? Does it depend on circumstances? for example, would you cover up the need for a quick sale? Would you mention death/divorce/financial difficulties? Where...

I am at that time where I revisit *why* I want to invest. *Why* I want to be financially free. *Why* I am willing to put in all the time and effort into persuing this goal of financial freedom. Mine basically comes down to that I do do not wish my finances to control me or my children. I have...

Hi, I was wondering what the mortgage brokers thoughts were on this site? https://www.getcreditscore.com.au/ particularly the no impact on your credit score claim, and the "soft touch" credit enquiry. I am not wanting any hits on my credit report but would like to know what is on it. I know...

I was wondering about divorce. Say the couple have a few investment properties, all in the husbands name. Both husband and wife are amicable and desire the properties to be in the wife's name in order to help support her. Problem is that she is unable to get finance to hold the properties...

So I'm sitting on my hands, waiting for some more equity and/or savings before we can purchase again. I've been looking at ideas of how to bring in some extra money so we can go again sooner. At the moment I'm a stay at home mum, with young children. It is more income efficient for me to...

Hi, I bought an off the plan house and paid a 10% deposit. It took 6 months to build and settle on the property. Is the interest on the deposit tax deductible during this time. I seem to be reading and hearing conflicting reports.

http://www.propertyobserver.com.au/queensland/queensland-auction-price-guide-ban-defies-common-sense-john-mcgrath/2014022367953 Why would they do this? I hate it when they have no price guide, and just skip over it. Although, I understand in some cases there is a need for no price guide...

After another discussion with hubby, with him saying we should now diversify into shares as we would be stuffed if property prices crashed. It got me thinking back to the old question. What would happen if Australian property prices did crash? Specifically to rent prices? I had an...

Hi, Husband wants to make an offer on a house that I feel is too low and I know that it won't be accepted (he wants room to negotiate). I was wondering how others would make the offer? Should I call and basically almost apologise with "I know it isn't as high as they are wanting, but I can...

I'm wanting to install some frosted glass film in my IP. The differences between installed price (quoted $110/m2) compared to doing it myself ($16/m2 +$4 for squeegee and stanley knife) is huge. But obviously I'm not wanting to make a mess of it. I'm seeking another quote, but was...

I was wondering if anyone sent/shared files with their accountant/broker/lawyer and how? I seem to be the odd one out in my social group who worries about this. I've been looking online for various methods, but was looking for an easy and commonly used method and generally wondering if...

I was watching the free Cherie Barber DVD and she mentioned that she had a rule of thumb to not spend more then 2% of the value of house on the kitchen (I think it was those figures anyway). So I've read a few Reno books now, and read a few rule of thumbs about the total value of Reno...

I was listening to Dymphna Boholt's podcast and she mentioned that if you buy an off the plan house, then GST is payable when you sell as you are considered to have built it (as you settle on the land first and then house is built). I've been searching the archives and google to clarify, but...

We have just split our home loan into 1. Main loan p&i 2. Deposit for investment property IO So it has just been split and the IO portion is sitting at -$x We will be putting the deposit down hopefully within a week. So do I A. Put some money from our redraw on main p&i part into...

I am in the process of buying my first IP. Everything accepted and ready to go. They are saying property is off the market. but we haven't signed anything and now waiting for them to draw up the contract. How long does it generally take? I want to wrap this up

i asked my bank to split our homeloan into two 1. main loan ( P&I) 2. deposit for IP (IO) when talking to them on the phone they asked if the IO part was for investment. I said no as I thought as far as they were concerned,it isnt (loan is obviously securitised against the house). now...

Was wondering if anyone has a favourite go-to book on negotiation? Or is everyone just learning from experience, other people, mentors, Somersoft posts and the like? Thanks

I'm sure people have asked before, but trying to crunch some numbers to see how a deal stacks up. The two areas I really am stuck on are maintenance and water costs and searches seem to be coming up blank. For maintenance do you use a percentage of rent? Then allocate a bit more for older...

I read a recommendation for a pest inspection company here and gave them a call for a quote. They mentioned that it is for a verbal report only and they don't do written ones. Is that important? Is it harder to sue if the whole place is riddled with termites? Thanks