Hi All Does anybody have a rule of thumb in this environment - for each $1k per annum of gross rent what does this equate to in terms of...
Can someone tell me what's wrong with maxing out your borrowing capacity now rather than later? For example, if my borrowing capcity is $800k and...
Hi all, My sister and I found an undervalued property that we're interested in to invest. I also have my own goal of getting an IP myself in 1-2...
I recently posted an article about valuation after renovation, and want to continue from that with the next step. I have an IP which has just...
Hello, Does anyone have a decent borrowing power calculator which in particular works well with giving an idea how existing borrowings will...
Hi All, What valuation does that Bank use to lend against. Recently purchased a property and i think i purchased it at lower price than the...
Hello everyone, I currently have joint IPs with my sister owing total $500k (recently purchased). I'm looking to buy my own IP in the next 3...
Hi Team, I'm considering moving to Bank of Melbourne from Macquarie to take advantage of refinance deals (also the macquarie product I'm on is...
I have 2 credit cards with combined max limit of $30k. Planning to apply for home loan in near future. I know reducing max limit improves...
Hi all, first time poster here with what is hopefully a simple question. In the past few years my partner and I have purchased two properties...
Hi everyone, I want to calculate my borrowing capacity. I derive income via the following structures: - personal income - business trust income...
Hi all We are about to purchase a new vehicle. Hubby is an employee who receives a car allowance paid tax free as part of his package, as he is...
Hi PC, I'm looking to refinance an existing 3yr IO business loan of about $600k that is falling due in a few months. St George (current lender)...
I have a friend (really, I do have friends) who was discussing borrowing capacity as she already has a few IP under her belt and is looking at her...
Hi all, Hypothetical example below: - Construction cost for house (PPOR) estimated to be $600,000 - Maximum Borrowing capacity $500,000 -...
Where a person is a beneficiary of a discretionary trust, there is never any certainty of them ever receiving income from the trust. If there was...
I've read a few posts where it's mentioned that by borrowing from particular lenders in a particular order you're going to stretch your borrowing...
I am simply amazed by the changes in this space we have seen in the last 6 weeks since the week after the election. It seems servicing rates are...
I'm new to buying property and have gotten myself into a a tight situation. In early 2017 I signed a contract for a piece of land in Truganina....
Hi all, We are couple with a pre-school kid, total household income of $190K (pre-tax) and approx $50K yearly expenses, a credit card with $10K...
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