What is the average deposit for a home loan in Australia?

February 272010

Hi all.

Im starting to look into buying a house. Im only young, just thinking about entering into the huge realestate market.

What is the average deposit for a home loan?

It completely depends on where you are trying to buy. The less expensive the property the less deposit you will need. If you are trying to buy a house in Perth or Sydney the deposit will be a lot more than a similar house in Adelaide or Hobart for example. A traditional mortgage may require you to have 20% up front or in equity. You can now get non conforming loans where you can actually borrow up to 105% of the property value providing you have the income to make the repayments. They will charge you extra interest as they are taking a higher risk in lending to that ratio but after a few years the capital growth in the property should allow you to refinance the mortgage at standard rates as you will have built enough equity to get a conforming loan.

if you had to choose ship building or auto mechanic or realestate which would you choose? or airplane mech?

February 272010

i was an electronic / jet engine / fuel systems tech for 5 yrs in navy. i worked on cars and houses all my life. now i have to go to college with my gi bill. im tired of doing a lot of work and making nothing. i am a great cook and was thinking chef or nurse or car mech or airplanr mech or realestate agent / builder combo. i have expierance in all these fields. i just dont know what to do. i dont like coming home dirty and greeting family messy. im scared to go to college as im a slow learner and taught myself the asvab and my ged. but i did get a 62 on my asvab. coming from someone who dropped out after 8th grade thats not too bad. i love cars and work great with them but also like to work at my own pace. dont really want to be stuck in a hot kitchen all day. i have built home and hotels and showed properties before and fixed them up. i dont know what to go to school for. im thinking buisness for at least 2 years. am highly motaviated indivuidal and a leader. when not in lead igetlost

Realestate, You will make more money and do less work.

how do they get away with all this & where di I stand?

February 272010

To whom this may concern…
In October 2007 I started renting (and signed a minimun five year lease) a house in Innisfil on the fifth line, from a mojor corperation located in toronto somewhere. It is a numbered Ontario company. The rent was to be paid to a realestate agent in Alcona.(In a century 21 ) I have been asking for my lease on many occassions in which I was unsuccessful. (he had forgetten, couldn:t catch me), or perhaps just did not care..I have been down to his office on many occassions also to just get it, He was never there and the ladies at the front desk said that they had no access to his office. .My issue is that I have lived in this same home since I was ten years old, with a different landlord, I am now 35.
On April the 28th as I was upstairs cleaning, a black dodge pick-up came down my driveway,and parked in my parking spot two men got out and started to dress in their hunting cloths, continued as they pulled their shotguns from their cases and loaded them. They proceeded to walk through my front yard and between my barns in which I also rent, as was in my lease.. This is where I should have dialed 911 right…But no I interfeared by going out my front door and asking them what they thought they were doing..
I was told by one of the people that I only rent the house and they were going hunting. I told them they were tresspassing and they had no right to be on the property that I was renting, This turned into an arguement and when I told them there was such things as respect, he was very angry at this point… He finally revealed that he was infact the land owner… and showed me his I.D. I repeated my self and point blank told him that as a londlord he should respect his tennants, hunter ethics are not parking and and carrying loaded guns through your tennants yard.where their children and animals play (Thats not acceptable) that I was still waiting for my lease,and getting tired of chasing the agent for it and that he still had no business parked in my driveway..Let alone argueing with me on my poarch with his loaded gun over his shoulde I was very uncompfortable at this point so I told him that I was not happy and could have called 911 first for tresspassing and then because I have never seen him before I could have thought he was a nut bar. God I could have been killed. What was I thinking..
He said that he thought it was the obandoned house next door that was rented, ya right I am not stupid I said, when you pull into a driveway and see a Jonh Deer ride on lawn mower, a covered skidoo, cut grass, wood pile still from winter with an axe and trailer still there,my daughters pet gaot running around the yard, and new barqicue on the porch no on lives here.( I guess people just move and leave their expensive bolongings at their old house right.) I told them they could leave and next time I would call 911, They threw thier guns in the truck and left.
Monday I called the agent and asked him for my lease again, He said he had talked to the land owner and that I had put myself in a very bad situation, so I told him what had happened on the Saturday and that if he had come to the door first( like most ethical hunters do) and said who he was there probably would not have been the problem. He said he needed to talk with the land owner about the lease. I told him it was his legel obligation to give me the lease I had signed a least 21 days after I signed it, and there would be no more rent till I get it. I would be in his office at 6:30 Wednesday to pick it up.On the way home I went to the Innisfil police department to have what happened Saturday documented. When I got to the agents office after work Wednesday he was not there. The lady at the desk said he wanted me to call him. so we did. now apparently there was not giong to be a lease, so I demanded the papers (lease) I signed back in October. Apparently I must be delusional, I signed a lease and he says I never signed anything and I do not know what I am talking about. Then he hung up after telling me that the land lord is going to tear down my home.
Wednesday May 1st I went into Barrie and filed papers with the land lords and tennant act. When I got home there was a red van in my driveway, I pulled up infront of them, they backed down my driveway and parked ON my grass, I asked then to please get off the grass and turn around on the driveway.( thats why we have one) He bluntly stated he was being considerate to let me pass, (by driving on my grass) (they must be related) The people in the van would not give me their names so I took the plate number and modle of their vehicle. When I got to my door there was an envelope in the corner. Great my eviction notice.
I now have 120 days to be out of my home, where I have lived since I was 10. My daughter was born here and has almost completed all her schooling thank god for that. But the issue still stands that How do I win making minimum wage fighting a multi million dollar corporation? All was great till I told the land owner I did not want him going through my yard with a loaded weapon. Why should these people get away with what they have done and are doing to myself and my family. Thet have endangered myself and my family aswell as my pets, and have made me feel very insecure in my own home.. How do I leave my daughter home alone when people keep showing up, with the possability of the owner showing up again to go hunting.
This all boils down to because I refused to let him tromp through my rented yard with his loaded gun, now hes going to demolish the home in which I reside.

All feed back is greatly appreciated, please e mail me with your help and info….
concerned tennant.
missdoolittle666@hotmail.com

If this is a real serious situation, the best option for you will be to go to a lawyer and file a case against the agent and then the landlord.
There are many lapses on your side also. If you had signed some papers, you should have retained the copies. So try to manage all those evidences in your favour. God Bless.

what kind of realestate am i looking for when i want to find a music practice space?

February 272010

i may be moving to a smaller house (perhaps renting and there may not be room for my drum set. so where can i put my drum set and all my other music stuff (guitars and amps, etc.) and still be able to use it and perhaps hold band rehearsals at?

smaller house
well garage maybe?
if thats not possible i used to live in a place with two living rooms one was for band practice
or two bedroom on bath use one bedroom
or move somewhere where your neighbors are really cool

Newburyport, Massachusetts real estate & homes – 46 High Street

February 272010

http://www.DoloresPerson.com – Newburyport, a coastal city just 38 miles north of Boston, Massachusetts is a city with a long and rich history. A city where historic preservation has been the key to economic revitalization.A perfect example of this history is High Street, dotted with majestic, antique homes, restored to their original grandeur, including the mansions of ship owners, which recall the names of major families who made and lost fortunes in the maritime trade; Cushing, Bartlett, Greenleaf, Marquand, Prince, Tracy and dozens of others.
Located in the south end this fully restored landmark High Street federal period home has all the grandeur you’d expect of a High Street mansion in a 3400 square foot dwelling.  

This gracious home has a deck overlooking the large fenced yard and a two car garage.

Period features include a “Good Morning” staircase, wide pine floors, period moldings, indian shutters, and 8 fireplaces.

The wonderful high style kitchen is a cooks dream with top of the line appliances, double ovens and large working fireplace, which creates a unique and wonderful ambiance.

The exquisite fireplaced master suite redefines comfort for those who are privileged to call this their home. It has a crisp, updated master bath with double pedestal sinks and classic clawfoot tub.

Other updates include central air, a new roof and utilities.

Exceptional and comfortable. Elegant, yet casual. And every detail is lovingly maintained.

Located on the south bank of the Merrimack River at the mouth of the Atlantic Ocean, Newburyport is truly a seaport for all seasons. A thriving community with unique shopping, fine dining, arts and culture, charming inns and breathtaking scenic beauty, it is also a community with a rich history, which you will see all around you.
This is your unique opportunity to live right in the heart of 19th century Newburyport, Massachusetts, with easy access to all that Newburyport has to offer.

Duration : 0:6:44

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Grind Hard – Rite Back At It!

February 272010

Late 2006 hit from Grind Hard’s All Star and Paper (and more evidence them guys should reunite).

Featured on GRIND HARD VOL.2: THE REALITY SERIES. Track #6 produced by Cashville’s Fate Eastwood. Full length version also features Sleep.

http://www.zshare.net/audio/50213029960089ad/

Tenn-a-keyan 2 OUT NOW!
http://www.grindhardonline.com/
http://www.starlitosway.blogspot.com/

Duration : 0:1:51

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Malden Massachusetts (MA) Real Estate Tour

February 272010

http://www.maldenmarealestate.com — Tour Malden, MA neighborhoods, condominium developments, subdivisions, schools, landmarks, recreational areas, and town offices.

Malden, Massachusetts boasts a rich history spanning more than three centuries, from its origins as a small settlement called Mystic Side to the modern, energetic city of today.

Residents state proudly that Malden has always been at the heart of things; the city has borne writers and industrialists, revolutionaries and governors, actors and artists. From Elisha Converse to John Volpe, from Walter Brennan to Louise Stokes to Frank Stella, Maldonians have participated in every facet of American culture.

Even now, Malden is at the heart of an innovative New England economy. Just ten minutes from downtown Boston, Malden is situated in close proximity to metropolitan Boston’s major arteries and interstates. Residents enjoy direct access to one of the world’s busiest international airports, and the city is serviced by both commuter rail and the MBTA Orange Line.

Some of America’s best universities are within a stone’s throw, as are many of the world’s best high-tech and medical research facilities. The city is only minutes away from some of New England’s great beaches. Amidst all this activity, Malden has tenaciously preserved its colonial heritage and neighborly small-town traditions.

Malden enjoys an active business community, a downtown in the process of rejuvenation, a fine system of parks and playgrounds and a variety of social, cultural and fraternal organizations. To loyal residents and newcomers alike, Malden offers the best of both worlds; ready availability to the cultural nexus of the big city and the familiar feel of a small town. For other town tours visit http://www.virtualhomes.com . For towns in MA visit http://www.ma-virtualhomes.com . For MA relocation information go to http://www.relocationma.com . For a MA MLS map search visit http://www.virtualhomesmls.com .

Duration : 0:3:7

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Real Estate Investing Workshop Welcome Video

February 272010

Hello I’m Jeff Rubin founder of Real Estate Riches (http://www.realestateriches.com) and I would like to personally congratulate you for registering to attend one of our free investor workshops. Unlike other real estate seminars that you may have gone to in the past we have no books or tapes for sale and will not ask you to spend money or sign up for anything at the end. Instead we will explain to you exactly what we ourselves do in order to make money and avoid problems using local real estate under current market conditions so that you can decide for yourself if you would like to do the same. Think of it as an inside look at exactly what we do and how we do it, how much we money we make, how much time and effort are put in, what risks we incur and how we manage those risks and most importantly what type of lifestyle we get to enjoy as a result. I personally believe that anyone can become rich and that real estate is, was and always will be the best way to grow and preserve wealth. Unfortunately most people often settle for less than they deserve because they don’t believe they are capable or they are just too afraid to try. Our mission at Real Estate Riches is to peal back the negative thinking and reveal your potential and at the same time showing you all the real estate wisdom that we have been able to accumulate over many many years of first hand experience. Distributed by Tubemogul.

Duration : 0:3:3

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How To Start & Invest in Real Estate Notes and Paper 4

February 272010

http://RealEstateProfitCoach.com. Bob Leonetti shows in this Two Men and a Whiteboard series of videos, all the basics on how to start and invest in a real estate notes and paper business. Real estate investors can control real properties without owning them and still make profit. These videos show how to find notes, how to find paper, how to value notes and value paper, how to analyze note and analyze paper, how to negotiate for notes and paper, and how to create notes and create paper to then sell and profit from them.

Duration : 0:4:23

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Paradise Valley Real Estate Agents – Tour Paradise Valley

February 272010

Tour Paradise Valley Tour – AgentsAcrossAmerica.com and the Top 1% of All Agents in Paradise Valley offer a great photo tour of Paradise Valley and the surrounding area.

Duration : 0:1:18

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