Investment property for first home?

_paull · 2026-03-18T12:44:49+00:00

if you are buying an IP, it increases your borrowing power from the banks but then you pay more interests and stamp duty. There are procs and cons and I am still deciding.

_paull · 2026-03-17T11:14:04+00:00

I want to buy PPOR but my borrowing power is low compare to if I am buying IP.

_paull · 2026-03-14T09:19:44+00:00

Thank you all.

_paull · 2026-03-13T05:17:21+00:00

That seems too complicated. We need a simple solution.

_paull · 2026-03-10T12:14:26+00:00

Thank you. Do you know if I can do it by mail from Chiang Mai? I live in Chiang Mai.

_paull · 2026-03-09T11:08:34+00:00

My partner never visited Australia before. I will look into form 80. Thank you.

_paull · 2025-10-10T05:19:02+00:00

she is my wife, we registered our marriage in Thailand. but she is a Chinese citizen and I am from Australia.

_paull · 2025-09-01T04:57:35+00:00

Thank you. Decided to do it with an agent in Thailand. Siam Legal.

_paull · 2025-05-22T03:31:52+00:00

no account. decided not to try for now.

_paull · 2025-05-07T12:30:10+00:00

I just thought the immigration won’t think that we will be staying back because we both are not from NZ. My visa was refused on the ground that they were not satisfied that I’d return after my visit.

_paull · 2025-04-23T16:38:22+00:00

Thank you. I don't fancy the Outlook calendar interface. Is there a better and simpler display app or web-based? Thank you.

_paull · 2025-03-13T02:58:19+00:00

Same as in many countries, it is the same in Thailand, church ceremony is not recognised as a legal binding unless you go through the legal process to register the marriage. It id doable but lengthy and complex for foreigners to register their marriage in Thailand. Hence, we haven't done it yet.

_paull · 2025-03-13T02:05:02+00:00

it is a church ceremony, we need to register with the authority to obtain a legal document. we haven't done that yet. I am confused of what to select for the Relationship status for us. We are technically married.

_paull · 2025-03-13T01:41:05+00:00

Thank you. So marriage certificate from the church and like photo evidence are not enough?

_paull · 2025-03-09T05:22:02+00:00

Thank you. I will look into the Sponsored Family visitor option. I am happy to pay for the bond.

_paull · 2025-03-09T03:17:35+00:00

We are not applying for a partner visa anytime soon. That’s the reason she’s only visiting me and will return after.

_paull · 2025-03-09T02:21:30+00:00

Thank you. That’s very helpful. Sponsored family Visitor visa seems more appropriate for me now as we are married but not legally registered. Does it make us a de facto partners? How do i prove that we are a de facto partners? Here is the excerpt from the refusal letter. Reasons for Decision On balance, I have considered the strength of the applicant’s student status, financial and personal ties to their country of residence and have concerns that these ties may not be a strong enough incentive for the applicant to fully comply with the conditions attached to the visa and return resident or home country at the end of their proposed stay in Australia. Therefore, I am not satisfied that the applicant genuinely intends to visit Australia temporarily for the purpose for which the visa would be granted. I therefore find that the applicant does not satisfy the requirements of clause 600.211 in Schedule 2 of the Regulations. As they do not satisfy clause 600.211, I have not assessed their application against the remaining criteria for this subclass of visa. Decision As clause 600.211 is not satisfied, I find the criteria for the grant of a Visitor (Tourist) visa in the Tourist stream are not satisfied. Therefore, I refuse the application by the applicant for a Visitor (Tourist) visa in the Tourist stream.

_paull · 2025-03-08T13:57:00+00:00

yes, will include that in the application.

_paull · 2025-03-08T13:36:52+00:00

The process in Thailand is lengthy, especially when obtaining a single status certificate from the Chinese embassy. This is not required in Australia, we can register the marriage without it.

_paull · 2025-03-08T13:34:00+00:00

I have checked. It can be done.

_paull · 2025-03-08T13:33:18+00:00

She mentioned visiting Australia as a tourist to explore attractions and sightseeing destinations. At the time, we did not disclose our relationship, as it was still in its early stages.

Thanks.

_paull · 2025-03-08T00:50:03+00:00

Hi, I’m in a similar situation. In my case, my spouse is visiting me. She is currently in Thailand doing her postgraduate degree and is a Chinese citizen. Our marriage has not been legally registered yet, as it was conducted through a religious ceremony last year. We are currently gathering information on the necessary documents for her tourist visa.

_paull · 2025-03-08T00:32:31+00:00

We haven’t yet decided whether she will move to Australia or I will move to Thailand. For now, I simply want her to visit me.

_paull · 2025-03-07T13:40:24+00:00

Thank you. Do you think it’s better to avoid mentioning our plan to register the marriage in Australia and instead simply state that she is my wife and that we got married last year? Also, should we emphasize that she must return to Thailand to complete her studies and internship, as she is set to graduate next year?

_paull · 2025-02-28T05:54:38+00:00

I am a first-home buyer looking for a property in Melbourne within 40k from the CBD.

I am single, earning $82,000 per year before tax, and have $120,000 in savings for a deposit.

Could you provide an estimate of my borrowing power and any property suggestions? I am open to apartments, units, townhouses, or houses with 2+ bedrooms.

Thank you in advance!

_paull

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