JCD's Recent Activity

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  1. JCD replied to the thread WA Converting built strata to surveyed strata?.

    I would guess yes because the footprint of the building will change relative the plan on file at local authority . but not sure for...

    25th Mar, 2024 at 10:29 PM
  2. JCD replied to the thread Repayment frequency and extra repayment.

    If you have 100k in offset you’ll save -6% $6000 pa. You can do the maths. you seem to be confusing a principle residence and and...

    25th Mar, 2024 at 1:05 PM
  3. JCD replied to the thread Leveraged IP vs Unleveraged Shares.

    Fair call I suppose one could do it themselves on the xls sheet kindly provided by dunno.

    25th Mar, 2024 at 12:48 PM
  4. JCD replied to the thread Leveraged IP vs Unleveraged Shares.

    Is it also a potential option to add a conservative amount of gearing to the AFI calcs in the order of 25-30%. essentially to steer...

    25th Mar, 2024 at 12:08 PM
  5. JCD replied to the thread Investment property - real returns.

    Note: depending on your circumstances one can potentially get margin loans at these sort of rates through your stock broker also....

    23rd Mar, 2024 at 10:15 PM
  6. JCD replied to the thread Repayment frequency and extra repayment.

    No you just pay less interest component of your monthly mortgage payment. In the early years of a mortgage a high percentage of the...

    23rd Mar, 2024 at 2:33 PM
  7. JCD replied to the thread Repayment frequency and extra repayment.

    yes the offset money is parked against the loan offsetting the capital. If the loan is 600k minus 100k in offset, you pay interest on...

    23rd Mar, 2024 at 1:45 PM
  8. JCD replied to the thread Repayment frequency and extra repayment.

    An offset allows you to move money around easily if you decide to buy a new PR and want to keep your current house and rent it out as an...

    23rd Mar, 2024 at 12:44 PM