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  1. aujahua
    Post

    LOC package advice - How to manage splits?

    Hi Chylld, so you have to call the bank every time you need to create a new split ? Why didn't you choose the Macquarie offset home loan ? it...
    Post by: aujahua, 21st Sep, 2015 in forum: Loans & Mortgage Brokers
  2. aujahua
    Post

    Tax Tip 13: Simple Loan Structuring Strategy

    So if you pay split A down from $50,000 to $0, then you redraw that $50,000 to pay an investment property deposit ? So the interests occured from...
    Post by: aujahua, 20th Sep, 2015 in forum: Accounting & Tax
  3. aujahua
    Post

    Tax Tip 13: Simple Loan Structuring Strategy

    I guess you mean pay down split A then apply for LOC loan from the bank with the same amount in split A then use the amount in LOC loan for...
    Post by: aujahua, 20th Sep, 2015 in forum: Accounting & Tax
  4. aujahua
    Post

    LOC package advice - How to manage splits?

    If your are only paying $350 a year, you probably have the variable loan only and have a few sub accounts. Thanks for sharing the information.
    Post by: aujahua, 20th Sep, 2015 in forum: Loans & Mortgage Brokers
  5. aujahua
    Post

    Tax Tip 13: Simple Loan Structuring Strategy

    Hi Terry, I understand pay down the split part but don't understand the reborrow part. So in your eg. You have pay down split A , what do you do...
    Post by: aujahua, 20th Sep, 2015 in forum: Accounting & Tax
  6. aujahua
    Post

    LOC package advice - How to manage splits?

    Also I notice if you have both LOC and variable loans under professional package, you need to pay $350 annual fee for the LOC and another $350 for...
    Post by: aujahua, 19th Sep, 2015 in forum: Loans & Mortgage Brokers
  7. aujahua
    Post

    LOC package advice - How to manage splits?

    Cool thanks Rico
    Post by: aujahua, 19th Sep, 2015 in forum: Loans & Mortgage Brokers
  8. aujahua
    Post

    LOC package advice - How to manage splits?

    So you only use it for investment property expense ? such as council rate bills etc ? I guess you can use Bpay on the LOC loan as well ? Aslo...
    Post by: aujahua, 19th Sep, 2015 in forum: Loans & Mortgage Brokers
  9. aujahua
    Post

    Tax Tip 13: Simple Loan Structuring Strategy

    Thanks Terry. Your tips are always pointing me to the right direction. :)
    Post by: aujahua, 19th Sep, 2015 in forum: Accounting & Tax
  10. aujahua
    Post

    LOC package advice - How to manage splits?

    Maybe you were lucky Rico, I check the website and says A line of credit is not eligible for linking to an Offset Deposit Account. If your loan...
    Post by: aujahua, 19th Sep, 2015 in forum: Loans & Mortgage Brokers
  11. aujahua
    Post

    Tax Tip 13: Simple Loan Structuring Strategy

    Let's say I have $100,000 in my LOC loan account and I want to use this to pay a deposit of a investment property $60,000. Do I need to go the...
    Post by: aujahua, 19th Sep, 2015 in forum: Accounting & Tax
  12. aujahua
    Post

    Tax Tip 13: Simple Loan Structuring Strategy

    Hi Terry, Do you know which bank can offer this kind split Loans? The issue is I can't find any bank can offer a card that is attached to LOC...
    Post by: aujahua, 19th Sep, 2015 in forum: Accounting & Tax
  13. aujahua
    Post

    LOC package advice - How to manage splits?

    I checked AMP and St George, they say offset account linked to a LOC loan is not possible.
    Post by: aujahua, 19th Sep, 2015 in forum: Loans & Mortgage Brokers
  14. aujahua
    Post

    LOC package advice - How to manage splits?

    Hi Chylld, For your Macquarie LOC loan, do they give you a cheque book that linked to your investment account ? So you can pay stuff like deposit...
    Post by: aujahua, 19th Sep, 2015 in forum: Loans & Mortgage Brokers
  15. aujahua
    Post

    LOC package advice - How to manage splits?

    Which bank are you with ?
    Post by: aujahua, 18th Sep, 2015 in forum: Loans & Mortgage Brokers
  16. aujahua
    Post

    Tax Tip 19: Avoid Using Redraw on an Owner Occupied Loan

    Thanks Terry.
    Post by: aujahua, 18th Sep, 2015 in forum: Accounting & Tax
  17. aujahua
    Post

    Tax Tip 39: Improving the Main Residence - Tax Free Money

    But who can determine the $20,000 spent can improve the $50,000 of the property value? Do the property evaluation before and after $20,000 spent?
    Post by: aujahua, 17th Sep, 2015 in forum: Accounting & Tax
  18. aujahua
    Post

    Tax Tip 19: Avoid Using Redraw on an Owner Occupied Loan

    Hi Terry, I believe a lot people including myself already made this kind of mistakes. Is there any way to fix this problem?
    Post by: aujahua, 17th Sep, 2015 in forum: Accounting & Tax
  19. aujahua
    Post

    Tax Tip 19: Avoid Using Redraw on an Owner Occupied Loan

    Im Thanks Terry, Because he has paid the loan down to 50K. Can he refinance this loan back to 80K and park that 30K in the offset account?...
    Post by: aujahua, 17th Sep, 2015 in forum: Accounting & Tax
  20. aujahua
    Post

    Tax Tip 38: Interest on Construction of an investment property

    That is exactly what my question is. Let's say after consturction complete, how long do i need to rent it out to be able to claim the interest...
    Post by: aujahua, 16th Sep, 2015 in forum: Accounting & Tax
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