Hi, I am working with my mortgage broker to try increase serviceability on pre-approved loan amount using the "distributions" I get from my...
If an investor's income is all from IP (all owned outright), does it make any difference between residential and commerical property? For...
I am a sole trader business. If I change into company pty ltd business entity and use a part of company income to pay to myself as sole director,...
Hi - just wondering which LMI provider is better for investment loan serviceability? I've done the numbers for both genworth and qbe borrowing...
Hi, Just wondering which lenders are best for assessing tax free income when working at a hospital/charity through salary packaging? As I work at...
Hi all, I am about to purchase my 3rd investment property. My HECS payments are $455/month, although with rental income my HECS payment would be...
Hello, can anyone please advise on going down the low doc road side of lending and the requirements? How many BAS statements required if paying...
Often a person will start up a company to operate a business and there will be a lot of start of costs which are deductible so the company may...
Just be careful when getting pre-approvals where there will be 2 or more borrowers. Different ownership percentages will result in slightly...
Tax Tip 403: Borrowing 100% for an investment property using a Secured Div7A loan In the 3 recent tax tips I have been talking about borrowing...
This is a strategy for those with PI loans with offset accounts attached. Because the offset will save you interest on the loan, without the...
We are about to start building a house and are waiting on final costings to come back from the estimators so that we can get our build finance...
I get many people tell me that they will be buying positive geared property, properties that pay for themselves, and they will want to buy many of...
For serviceability calculations most lenders will treat the total loan as a debt of a single person even where there are additional borrowers....
The general rule is that capital gains income will be disregarded by lenders when they are calculating serviceability. It is considered that the...
Hi Everyone, I'm wondering if anyone knows of a broker or lender who specialises in loan applications for share traders? I would like to use the...
When a person who is applying for a loan controls a discretionary trust if they cause the trust to distribute its income to themselves this income...
Hi Team, I have a scenario whereby I receive distributions from a parent discretionary trust into my discretionary trust which distributes to...
Hi team, will keep this very short and simple as I know these type of questions pop up every few months. Situation: 25 y.o. M and F (De Facto,...
When applying for loans lenders will want to avoid lending to people who they think might struggle in repayment of their loans. They often ask for...
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