Say you've bought a $1m IP at 80% LVR. To cover the 200k deposit and 50k stamps/legals: You've got two loans: A. 150k from an equity release...
Child has no properties and is living at home. If upgrading PPOR (paid off) the options I'm considering: 1. Turn the PPOR into IP 2. Sell PPOR...
Thinking of the "where to buy" question from an analytical perspective: Say you had data from the likes of corelogic or REA. What sort of "past"...
Say you've got a a PPOR which you refinance and release equity borrowing an extra $200k as a split loan. Now for a future purchase of a property...
Scenario 1: Equity release of 200k IO split loan with funds from the release sitting in a separate offset account. Scenario 2: Same as above but...
Has anyone been able to get a better deal from HSBC or elsewhere for IO investment loan less than 60% LVR. Advertised is 2.67% variable with...
I've been trying to find the rules for an alfresco for granny flats in NSW. All I have read is that the granny flat wall needs to be 3m from the...
Trying to understand the benefits of using equity in an existing IP (A) to purchase another IP (B), vs just getting a loan directly. The only...
Say Marge has an IP with equity solely in her name. Homer wants to buy an IP in the same state as Marge, but solely in his name to avoid land tax....
These days there seem to be a lot more people recommending P&I for investment properties, and debt reduction in general. To me it seems at least...
Say you're in the 30% tax bracket. Fixed interest rates are 1.7%, variable is 2.5%. You have 100k cash, and a 100k loan. If you fix the loan,...
Say you buy a PPOR for 1m, bank is only willing to lend you 700k. Is is a benefit is using 100k equity from an IP and 200k cash, vs just 300k...
Anyone have experience after buying a house, and owners mentioning they are also selling the furniture? Did you grab any bargains? Or just...
Wondering why this is a silly strategy as I've never seen it mentioned. Say you have some loan splits for your PPOR @ OO rates of 2%. And you...
Reading more and more about debt recycling has made me even more curious. Say $1m P&I loan with CBA, 30% var (300k), 70% fix for 2 years (700k) on...
Wondering if there is anything clever I'm missing. Say we are looking at a $1.5m PPOR, bank is only willing to lend us $1m. If we've got plenty...
Hi Looking at a house in Sydney with a granny flat. Agent has said that in the past the granny flat and house were rented out separately. Had a...
I haven't seen this come up, but assuming there's a simple explanation: If you own a PPOR 50-50 with your spouse. And debt recycle 100k to invest...
For your PPOR, what is the benefit of having an offset account vs debt recycling via loan splits? For example if you are an OO, and have a P&I...
Hi everyone. Looking to purchase a PPOR in Sydney. Does anyone have any broker recommendations that are familiar with loan applications for those...
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