Victoria Land real estate owner Address search

This change however is not applicable to Valuers. While RP data  one of the bigger provider of real estate ownership data adjusts it systems   valuers using this system will also be temporarily affected.

The Property, Titles and Maps web pages of the Department of Sustainability and Environment (DSE) provide information about land titles, property data,valuations, land surveying and naming places in Victoria.

The Department of Sustainability and Environment (DSE) through Land Victoria collects, manages, releases and sells a wide range of property information for Victoria and most of it is available online.

LANDATA Home Page – www.landata.vic.gov.au

LANDATA® is Land Victoria’s online search service, providing access to title and property information for the general public and a range of professional clients.

Real Estate Search Restrictions – Victoria

The government agency “LANDATA” requires that RP Data make changes to the property services and information products to ensure that accessing owner names and addresses from government records is immediately restricted. Rp data is proposing  this sector become a collaborative initiative with the industry   becoming self regulated with government oversight instead of restrictions being imposed

Victorian Land Searches and Victorian Conveyancing are restricted to organisations that have signed the current CITEC Confirm Customer Agreement.

Further restrictions apply to Victorian Land Index Searches (search by owner name, lot/plan, volume/folio, address). To access these searches clients must sign the Landata Deed of Grant in addition to the CITEC Confirm Customer Agreement.

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Link credits:

[ http://www.confirm.citec.com.au]  , [ http://www.dse.vic.gov.au ] , [ http://www.landata.vic.gov.au/ ] , [ http://www.land.vic.gov.au/ ] ,  [ http://www.land.vic.gov.au/ ] ,

The Shared Start Scheme is a West Australian State Government initiative to assist YOU achieve YOUR dream of home ownership. Check out this listing  to get you entry into the market at a lower price

BRAND NEW APARTMENT IN CITY LOCATION for just $245,000

Western Australia’s first home buyers benefit from the scheme by sharing the ownership and cost of their first home with the Department of Housing and Works. Properties available under this scheme are offered for sale under co-ownership arrangements with the Department of Housing. An eligible Buyer can purchase 70% of a property, with the Department of Housing retaining the matching 30% share in perpetuity. You pay no rent or interest to the Department of Housing for their 30% share of the property.

Check out this Shared start listing here  at realestate.com.au . $245,000  @ 56/76 Newcastle Street, Perth, WA 6000

The price quoted in the above listing is 70% of the value of the apartment. Properties cannot be sublet or leased to other parties and the private co-owner can never acquire the Department of Housings share.

Properties brought through this scheme  may be sold at any time, but only to the Department of Housing using a Market Valuation process to determine the current value of a co-owners share.

You may be eligible for SharedStart laon from Keystart if you answer is yes to all the following:

• I cannot afford a home loan to assist with buying 100 per cent of a property regardless of proof of savings
• I am a single applicant earning a maximum gross income of $70,000 per year, or
  We are a couple/family earning a maximum gross income of $90,000 per year, or
  I/we work in the North West of WA (above the 26th parallel) earning a maximum gross income of $110,000 per year and I/We would like to purchase a property and live in the North West area
• I am a permanent resident of WA
• I am 18 years of age or older
• I will live in the purchased property as my principal place of residence for the life of the SharedStart loan.

The above is not a full list of Keystart’s eligibility criteria. It is an indication only. You must contact Keystart on 1300578 278 (1300KSTART) for a discussion about full eligibility and to see if you can be prequalified for a SharedStart loan

To get more information on this scheme from the government website go here

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Is your property agent licensed

Its not aussie slang but just kosher slang !! ,  when we ask you if your property agent is proper!!

Most of the times  property agents are good for property investors  and people who want to buy and sell a house or property, but get the wrong property agent or not a professional one and “boy oh boy “ you can be in trouble or even a big loss. Ask me i almost got gyped a cool $10,000 dollars  when i did a property settlement of my previous house  to buy  my new property  , just because  the bank officer  ( of a big  reputed bank) was not well informed about settlement procedures and transfers.

With real estate buying and selling and property managing, you dont have a guarantee always that you are getting the best person to manage your property,  but thankfully at least you can take precautions. One such way is at least to check if your property manager is properly registered (Licensed) and accountable.

Check for Licensed Real estate and property agents

The Queensland  government  for office for fair tarading  hold a public register of licensed property agents and registered salespeople. To be real estate agent  or act as a property manager in Queensland, you must be registered with the Office of Fair Trading.

On this page here at the office of fair trading, Queensland  ->. property-agent-licence-check

you can search all  licensed property  and real estate agents. May also be beneficial to look around the site and see what other search registers are available. You can search this register online for free , but if you want a record of your search  with more details you can get it for a fee ( click the link above for more info).

NSW – Property services licence check

To check the details of a particular agent, salesperson or manager, please proceed to ‘Start licence check’ button below. For further information and assistance, contact NSW Fair Trading on 9372 9299.

Start licence check

If the above button does not work visit this page-> NSW CHECK

WA – Real Estate and Business Agents licensing

In Western Australia, individuals, partnerships or companies wishing to operate as real estate or business agents are required, under the Real Estate and Business Agents Act 1978, to be licensed and hold a current triennial certificate. More details here

You could possibly do a check  for licensed property agents in your state by  checking at your state fair trading website ( or equivalent of the fair trading website ) in your state  for more details.

Its a busy time for property investors as they near the end of the financial year. There aren’t many investors in the current property market, due to people being cautious about property investment.

But this might be about to change as rental vacancy rates across Perth are falling. Rising rents are also an indication that we are entering another phase of the property cycle. Currently its a buyers market with more than 17800 properties for sale on the market.

There is still reasonably tight vacancy rate that assures the investor a large selection of keen tenants. This definitely is getting renewed interest from investors in buying rental properties to cash-in on the favourable rental market.

Tips For Property Investors

• Better investments are more preferred in suburbs which have a consistent population growth, such as near the city or fast growing regional centres.
• Prospective investment properties should be easy to maintain.
• Close to public transport, shops and schools. The potential of educational institutions and community infrastructure can increase the value of the investment property.
• An ideal investment location is where the demand for rental properties exceeds the supply. But investors need also to balance the cost of the purchase with the return on investment based on the rent in that location.
• If a property is chosen with prospects of good grow in value, it can be an added bonus of capital growth to the property in addition to the negative gearing (tax deduction) you can receive.
• Another tip to good property investment, is to look for under valued houses in a pricy suburb or in a suburb close to a established suburb.
• Re-developing properties is another good way to maximise your property investment. Choosing one block with re-development   potential for multiple blocks can maximise your return.

Data and research in relation to making these important property investment decisions could always be sourced from websites like Realestate.com.au, Rpdata, Rismark and REIWA. Make sure you always discuss plans with your bank, mortgage broker and financial planner first.

1. Real estate.com.au

Australia’s biggest and best real estate and property listing No. 1 real estate site. Real Estate Directory

Website : www.realestate.com.au

2. Domain.com.au

Real Estate for Sale, Rent and Share @ Domain.com.au

Real estate @ Domain.com.au. Houses and apartments for sale or rent all over Australia. …Compare home loan

Website : www.domain.com.au

3. Reiwa.com.au

Real Estate Institute of WA – reiwa.com.au

Real Estate & Property in Perth & Western Australia. Homes for Sale, Rental Properties, Land for Sale, Real Estate Agents, & Real Estate data, FAQ’

Website : www.reiwa.com.au

4. Suburbview.com

Suburb View searches the Suburbs you want, from Australia’s Largest Real Estate sites. Search for your Suburb and if any Real Estate listings are found

Website: http://www.suburbview.com/

5. Homehound.com.au

Search 200000+ real estate listings, homes for sale, rental properties, land for sale and holiday accommodation rentals from 4000 real estate agents on

Website: http://www.homehound.com.au/

Australian Individual Real estate websites

Some other top agencies with their own real estate websites are Ray white , LJ Hooker , eldersrealestate.com.au , harcourts.com.au , mcgrath.com.au , raineandhorne.com.au , remax.com.au

And some related industry Property websites

http://www.open2view.com.au/

Top 10 us real estate websites

Deep in debt ?

Too many loans you cant keep up repayments with  ?

In trouble with credit card debts ?

Debt Consolidation – Life saver or  Rip off

Go to any bank or  financial consultant   with his kind of problems and it is likely they will mention a solution called “Debt consolidation”. True  Debt consolidation can be a savior for some , but It surely can also put many people in a financial situation worse off than they already are.

How you may ask , is that possible ?

Lets take a  simple example with  without any figures or loan repayment percentages to make it easy to understand ?

Say you got  three debts

1.Credit card  – Term  Rolling

2.Car loan –  Term  5 years

3.Personal loan  – Term  5 years

Taking an example of the above loans getting consolidated into a (Home loan –  Term 30 years )

Now given that these above  3 loans that  you have taken  are for short terms ( rolling and 5years) and you are paying interest only for a shorter period,  this totally changes when you lump it together with your (Not so Short ) 30 year Home loan. which means  Now you  are paying interest  for a 30 year term on those loans  instead of 5years, which can make you repayments go for thirty years instead of five , which in many circumstances  you can end up paying much more than you intended too.

Debt consolidation with refinancing loans

With debt consolidation loans  or refinancing loans the lender can end up charging you higher interest rates than you’re paying now — as high as 21% or 22%. “Your monthly payment may be lower” with one of these loans, “but you’ll end up paying more,” Personal unsecured debt consolidation loans carry high interest rates, sometimes higher than credit cards.

Help :

http://www.nfcc.org/

You can get help from an organization like National Foundation for Credit Counseling (see link to left). NFCC has branches throughout the country; they are a non-profit, community organization that provides free and confidential debt management advice to anyone who needs it. You can even consult with them over the phone

Sometimes it is better to negotiate settle the debt  in a debt settlement strategy. Check out this book  which describe a easy way to get out of debt. There are some softwares for reducing and managing debt as well that is available on the market

Links:

Avoid-the-trap-of-debt-consolidation/

http://moneycentral.msn.com/content/savinganddebt.asp

At the moment the State Governments vary, but the Federal Government, the FHB grant is $7,000. You get an extra $7,000 FHB boost if you’re buying an established home and then you get an extra $14,000 if you’re buying brand new.

The great Aussie dream is still within reach for first home buyers.

Tips for families FOR FHB ( First home Buyers)

I think one of the things first home buyers have to remember is that your first home is not necessarily  your last home and your first home  does not have to be “your dream home”

What property buyers should be looking for ?

• Proximity to the city, good schools, parks, reserves and sporting grounds.
• Prospective buyers should also look for properties close to major shopping centers and in areas that have low crime-rate.
• Location is the most important thing when buying a house
• prospective increase in valuation of the house based on suburb and other factors
• proximity to your workplace

First home buyers can’t go wrong if they follow these golden rules.

1. The most important thing is the location , location , location
2. Look for  capital growth, property should have some land Value
3. Cost in  at least 7 to 8% when doing you home loan borrowing capacity as current 5 to 6 %  home loan rates are not going to last forever.
4. Dont borrow  to your maximum borrowing capacity , keep a buffer

Albany: Lifestyle features, government decisions, urban renewal

Broome: Lifestyle features, boom town, government decisions

Bunbury: Transport infrastructure, boom town, lifestyle features

Geraldton: Boom town, government decisions, transport infrastructure

Joondalup: Government decisions, lifestyle features, transport infrastructure
Karratha: Boom town, government decisions, lifestyle features
Merredin: Boom town, government decisions
Port Hedland: Boom town, government decisions
Rockingham: Ugly ducklings, government decisions, transport infrastructure, lifestyle features
Waroona: Boom town, transport infrastructure

The recently introduced New South Wales Spending spending budget packages out a number of of the most strategic property related initiatives seen to date, along with incentives targeted at enhancing housing supply and affordability instead of simply throwing money at the symptoms.

Stamp duty  Axed in NSW

The most crucial story was that stamp duty, largely considered as the single most inequitable and inefficient taxes around, has become axed for anyone people purchasing a home ‘off the plan’ and under $600,000.
An ‘off the plan’ purchase essentially means buying the house before construction is completed.
At a consumer level the advantage is clearly in the stamp duty savings which could equate up to $22,490 on a home purchase.
Links:
Free Australian Finance Blogs with hosting

NSW GOV MORTGAGE
stamp+duty+calculator

• 
  NSW Home Builders Bonus
• First home benefits
• Housing Construction Acceleration Plan
• Land tax

• Unclaimed money
• Payroll tax annual reconciliation
• Payroll tax monthly calculato

2010 has been a bumpy ride for first home owners and property investors and has left many with the  idea in the mind have they or have they not done the right thing,  those are the people that took out loans and now seeing the rising interest rates ( possibly rising even more ) , investors  who bought at higher prices  when the rush for property was on and the naive people who got suckered into o to buy  a property without doing their math’s and taking into account rising interest rates and now paying the price with mortgage stress.

property sector 2010

Housing finance data released this week showed a further slowdown across the sector.

On a seasonally adjusted basis, owner occupier finance commitments for: construction of new dwellings (-7.3%), purchase of new dwellings (-3.2%), purchase of established dwellings (-2.9%) and total owner occupier loans (-3.4%) all recorded falls during March 2010.  Over the year to March 2010 only commitments for construction of new dwellings has increased, albeit by only a small percentage, 1.6%. Meanwhile, on an annual basis finance for the purchase of new dwellings is down -21.7%, finance for established dwellings is down -26.0% and total owner occupier loans are down -23.3%.

By Rp data

Other News:

CFS and Brookfield scoop property awards

Property Investment Research (PIR) has awarded CFS Retail Property Trust (CFX) as the A-REIT of the Year and Brookfield Secured Bonds as the Product of the Year at the research firm’s annual forum held this month.

Aegis buys Property Investment Research

Research house Aegis Equities Research has bought Property Investment Research (PIR). Aegis plans to continue to run PIR as a separate business, but will expand the services it offers. It will widen the coverage of the property sector from the current 200 companies to the top 500 companies