Hi everyone I'm at a bit of a cross roads. Approaching mid 30s, with 2 apartment IPS in Sydney, no PPOR (currently renting cheaply, working in...
To all the brokers out there that can help me. My partner and I purchased an OTP apartment 2/2/1 in Sydney for 600k~. The 10% deposit has been...
No surprises with the LMI providers also bearing the brunt of regulatory changes Australia’s largest provider of lenders’ mortgage insurance...
As opposed to a married couple, can two unrelated people apply for a loan jointly? What would be the main differences? Would there be...
Would you serviceability income markedly if you could (lets just say theoretically) purchase a remote/rural property with multiple dilapidated...
Australia’s Big Short Sorry as indicated in my first post I am new to investment property, but the more I read into it, the more it does not look...
Strategy: Don’t Keep Large Sums in Offset Accounts In the good old days investors used to get IO loans on the main residences and they used to...
I am considering what to do next. One option is doing something with our corner block in Kallangur (already 3 bed highset house), 1.8km from new...
Hi all, I currently have a $400k mortgage on a Sydney apartment at a ~55% LVR (property value $750k) that is an investment property and currently...
Loan Tip: Why Can’t I Qualify for another Loan? A common question these days is “why, in the eyes of the banks, can’t I service another loan?”....
Hi guys, Im 27 years old, no dependents. I've applied to my bank lately for a loan for my next property, but they've said I'm unable to borrow...
Ironing out my strategy. Is it possible to do a development if you're nearing your serviceability ceiling? Assuming you're doing a build and...
I am trying to understand how trust distributions affect serviceability. If one has a discretionary family trust with corporate trustee setup with...
When you apply for a credit card is it the same assessment for serviceability as when you apply for a mortgage? In a case where you have exceeded...
With all the bank changes to servicing I question if a existing investor may be better off now with a PAYG variation prior to applying for new...
Would there be any risks refinancing all loans to a non-bank lender? Aside from interest rates possibly being a little higher is there anything...
How do banks assess serviceability for a residential mortgage when an applicant has a margin loan i.e. how do they account for the interest...
What are the best investments in the eyes of banks/finance providers? If your close to the servicability edge what will the banks be more...
Hi guys hopefully some of you on here can give me advice on this one. Currently have 1 ip in Frankston South mortgage of 336k on it and...
I have been looking over past threads and i am confused about if buying in joint names will limit us from buying a larger portfolio in time. Seen...
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