Search found 6 matches

by Hakan Kara
Wed Jun 24, 2015 8:42 pm
Forum: Property Investment Forum
Topic: Property Investment
Replies: 1
Views: 55064

Re: Property Investment

Hi elsom2010,

Your circumstances appear to be a little complex. It would be best if you contact our office to discuss your situation in detail.
by Hakan Kara
Sat Jun 06, 2015 12:42 pm
Forum: Home Loan Forum
Topic: Use rental history as my 5% genuine saving
Replies: 1
Views: 4555

Re: Use rental history as my 5% genuine saving

Hi vikbhu,

The general expectation is that all parties to the loan are also on the lease.

Rental as genuine savings is quiet a complex lending policy and a number of requirements need to be clearly demonstrated. I would strongly recommend you contact our office to discuss in more detail.
by Hakan Kara
Mon Apr 27, 2015 6:22 pm
Forum: Home Loan Forum
Topic: First Home Buyers with small defaults on credit history
Replies: 1
Views: 4346

Re: First Home Buyers with small defaults on credit history

Hi elletemple,

Certainly paying the defaults on your credit file will increase your chances in getting a home loan, its unlikely any lender would approve your application if the defaults remain unpaid.

Please keep in mind though if you do not have a deposit and are considering a guarantor home loan there are not may lenders who would consider this type of loan if you have credit issues. I would suggest you contact our office to discuss your options with one of our brokers.
by Hakan Kara
Fri Apr 10, 2015 4:06 pm
Forum: Home Loan Forum
Topic: House and Land Loan
Replies: 1
Views: 4738

Re: House and Land Loan

Hi naeson,

This really depends on the property you end up buying. Some builders will have house and land packages and at other times you will find the vacant land first and then source a builder separately. As a general rule if you do enter into 2 separate contracts you will need a minimum of approx 5% for each.
by Hakan Kara
Tue Aug 19, 2014 6:37 pm
Forum: Home Loan Forum
Topic: Home loan
Replies: 1
Views: 3650

Re: Home loan

Hi Ginanig79,

There are some lenders that will consider centrelink income, however, to provide you with an accurate response we would need to understand your entire circumstances.

Feel free to contact us so we can assess your entire circumstances to determine your eligibility for a home loan.
by Hakan Kara
Thu Jul 31, 2014 3:09 pm
Forum: Property Investment Forum
Topic: Capital Gains Tax - 2 properties
Replies: 1
Views: 20679

Re: Capital Gains Tax - 2 properties

Hi Ken,

Most real estate is subject to CGT. This includes vacant land, business premises, rental properties, holiday houses and hobby farms. Your ‘main residence’ (family home) is generally exempt from CGT unless you rented it out for a time or it's on more than two hectares of land.

I hope this answers your question. You can find more information on Capital Tax Gain on our website.
I would also suggest calling the ATO to discuss your circumstances.