Engage a broker or banker and get them to run the numbers and see if there are any ways to implement any changes to the existing structure in...
Casual policy was something that only a few lenders did and did it well (i.e. CBA) but now there are heaps of lenders that accept and calculate...
Lending is difficult and limited. You would need to factor this in when running the numbers (both borrowing capacity and LVR).
If you have no kids or plan on not having kids in the short/medium term I would look at reinvesting - rent where you want and the place that most...
I would try and stick to 60's/70's/80's unit complexes with no lifts, no pools, etc. I would also look at buying something with land content even...
Most likely not - as the company application would still require servicing and the servicing is based on the income and liability position of the...
Depends no the council the property is located in - you need to engage either a certifier, town planner or the council to determine if thats...
Personal entity will result in a higher borrowing capacity than a company entity for that specific application. This is because we can use...
Tax aside - you should double check the borrowing capacity implications of borrowing under a company versus under a personal name. There are pros...
Westpac, St George, CBA, Resimac and Heritage all accept foreign rental incomes but their servicing calculators are very different.
They are a decent lender but you need to (much like the other lenders quoted above) assume that they are going to increase the rates once you have...
BC are on some broker panels - they have a couple of niches in lo doc, expat, non resident, etc lending. The IO rates for 80% LVR are higher than...
Almost all lenders do not factor in the personal liabilities when calculating the borrowing capacity for the SMSF and conversely almost all...
Most lenders/retention teams are across this practice, i.e. initiating the call upon receiving the discharge request/form. Most are now only...
One policy that may fit depending on how things are structured and how you pay yourself is CBA and ANZ's wages policy. These lenders just need...
Separate names with a comma.
