{"metadata":{"transaction_key":"deprecated","request_id":"019fb196-a7cf-7d52-92ac-0f84f418d407","sha256":"cfbc467ad77cacc100bf11d4baeace0d6bcc97bef0778ca890325a18c23de469","created":"2026-07-30T05:54:31.078Z","duration":1406.0879,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5128,"output_tokens":116},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5695,"output_tokens":5707},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5695,"output_tokens":481}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Laura. It's Dana from Financial. How are you? I'm very well. Thank you. The guys have booked in for a bit of a catch up this afternoon. You had some questions about property? Yes. Yeah. Yeah. Pick a step. Right. No. No. You're right. Sorry. Yeah. Right. Right. Yes. Mhmm. Yeah. Yeah. Uh-huh. Yep. Mhmm. Mhmm. Yeah. That's probably the biggest one they can say is how long is it gonna take for them to be able to, you know, go through the process? Because the cutoff point for borrowing under a limited recourse borrowing team is the the August 10. And, realistically, if you need to have the loan approved and have the purchase completed by that time, that is literally in about nine days' time. So it's very close to the cutoff time. Yeah. Any loans that have not been approved in that time by that date, you can no longer, after that point, borrow in an SMSF for a residential property. The only way you would be able to borrow in a Safranite Superfund is to borrow for a commercial property, and there are a lot more of it associated with commercial properties there. So the question I would probably be looking to ask you guys is, is any of the options available to you? Is anything gonna happen before the tenth of August, or is everything basically gonna be done after that point? Yeah. Yeah. The other thing is transferring funds from Superfund to the SMSF. When requests for rollovers are sent, funds have to be sold down, transfers have to have sort of happened. Everything needs to have happened before the August 10. So I just I'm not sure that you can kinda complete any lending obligations by that time. What sort of guarantees are they giving you guys if they can complete, you know, get these purchases sorted for you before that date? Right. Yeah. Because that's one of the biggest things we have at the moment is we do have a couple of people who are trying to get into City Superfund over the last couple of months. It's kind of at that cutoff point now. But under the new government regulations, which were all kind of approved as of the June 26, if if you don't have a residential property like, if you don't have the loan sorted and approved before the tenth and the purchase completed by the August 10, they'll no longer allow be allowed to do that anymore for residential properties. So that might kind of move your options a little bit lower. Yeah. It is a bit of a tough one because I don't know what the options are. And have you kind of spoken to brokers since then? Has the broker kinda given you any ideas there whether they can get a loan approved in that time frame or not? Right. Yeah. That's interesting. They definitely should have told you guys about that because that certainly does make limit your options. And the other thing to consider is if you have to move more money over for settlement, when funds are rolled over or when the request through the SuperStream system is requested for funds to be rolled into an SMSF, your accountant or whoever's looking after yourself and the Superfund is required to submit that request. When it comes to super funds like industry funds and even have 24, they have to then sell down the investments to cash before they can move those funds over and roll them out. Realistically, a request for a rollover, a super fund legally has thirty days before they have to have actions that are expressed. So it does mean that they can take longer to do so. Some super funds will be able to roll, you know, 80% of the funds required over in a faster time frame, but to get the other 20%, they have to sell that down because when we when funds are sold from an investment to cash, essentially, the super fund or the investment has the, like, the investment platform has the request essentially from the market what the buy sell costs are so that they can allocate that when they're selling it down. The other side of it is depending on what you're selling down. I mean, with Hub twenty four, we don't normally have that much of an issue because everything we put you in is, like, ETF, so they can be sold very, very quickly. But some industry funds as well do have, like, unlisted investments, which can be hard to sell. If you're in anything speculative and that doesn't trade, it can be hard to sell, which can make that time frame sort of pushed out a little more. So what I would be probably suggesting you do at the moment is con find out what the options are. You're welcome to email them to me if you would like some a bit of a rundown on me to have a look at those for you. I would be asking the broker what what are the odds of getting a loan through because some mortgage brokers had actually stopped doing these sorts of lending a few weeks back. They weren't able to get them through, and they actually stopped doing them around that early to mid July. So double check with your broker and find out if you're still doing that kind of a loan. What are the odds of getting a loan through in time for that? The other side of it is if you decide to go with another property, finding out when settlement would be because settlement has to be before the tenth of essentially, before the August 10 to my understanding. So I don't know if we can get those things through in time. It is cutting it very thin for you guys, and I'm sorry to add more pressure to you. It's not what you need anyway, they perform. But I do feel like the other advisers then and your brokers should have let you know about these deadlines by now. Definitely. Because they were all put through, legislated as of the June 26. Mhmm. Yeah. Double check with your mortgage broker on that because to my understanding, the loan has to be sent through and approved. We've had a couple of clients who've been stressing to get their loan signed and, like, sorted before that point. So I would probably give your mortgage broker a call and get him to confirm that for you or them just to confirm that for you because, yes, in my understanding and everything I've been going on, basically means that the the loan has to be in and approved. Have you guys had finance or approved? It hasn't you just sort of said that you had they told you they could do it. They had actually put through the loan as such, have they? Yeah. Yeah. Yeah. Yeah. No. That's okay. Yeah. Yeah. And is the deposit sitting in cash in the fund or anything like that, or was it actually paid to the company building the property? Yeah. Wow. Yeah. I think yeah. Yeah. What I would probably do is because if you sort of did this about two years ago, if the loan was all done and done and ready to go, you'd signed contracts and the loan was put in place, you could find out you did that to fix your mortgage broker, find out if they can do up a new loan in time, if the loan was already set up and approved prior to it, what this means what these changes mean to you guys moving forward with this property. And then it's just about work working out whether you whether you wanna go ahead with it, whether this is the right thing for you or not, because the other side of it is how then do you pay the rest of the money that you have to pay, in time. And if it's something you need to roll out of another super fund that needs to be requested straight away, and even at this sort of a time frame, there's no guarantee that it will make it in time. Yeah. So yep. Sorry. Yeah. Wish I have better news for you. Yeah. Mhmm. Yep. Perfect. Yep. Yep. Yeah. Yes. Yes. Yeah. Mhmm. Yes. Yes. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Understandable. Definitely. I mean, if you're going to look at this as an investment property, in order to sort of benefit from the changes because I don't know if anyone's kinda gone through the updated changes in CGT as well, But as of the same time that they put those changes in with the stuff and the super fund, they also put through CGT changes. So as an investor, if you're wanting to be able to look at utilizing an investment property for the purpose of, you know, negative negative gearing, being able to help kind of lower your overall tax. Buying a brand new property and building is the best way to go. Moving forward, if you were to purchase, like, a preexisting home, they don't allow you to negatively get the property anymore, which means that every year, say, as an example, you would receive 20,000 in income from the property, and you spent had extended to a fee of, say, 40,000. When you go to do your tax return, you won't be able to claim the extra $220,000 back on your income to reduce your income. They will assume the property is being completely and mutually geared, and any losses that you accrue are are carried forward until you sell the property and then deduct it off the capital gain at the end of it. So if you are because you guys are still very high income earners, if you are wanting to access maybe negatively gearing, which could be an option, if the, you know, the rental appraisal comes back that the amount you're spending on the property when it comes to the interest on the loan, if you do gardens, if you have, you know, a a manager looking after the property, if you have all that expenditure outlay is more than what you're actually getting back in the way of income, in way of rental from the property, then it'll be negligible. And they having a brand new prop yeah. Sorry. Yeah. Yeah. No. Not to my understanding. There's no limit to that. You can have three, four, five properties. It's not a problem at all as long as you are buying a brand new property. Let me double check to make sure that hasn't changed in my eyes because, yeah, I went through and pulled the legislation apart the other week and read through all the changes, and it doesn't say anywhere that there's a limit on on the property on the amount of properties that you can have. Yeah. Yeah. No. Understandable. I mean, it is a lot of money to spend on a property. Yeah. So I just double checked. It says here under the new tax forms, there is no specific number. There's no specific limit to the number of properties or eligible new bills that you can negatively get. You can have two, three, five, ten properties if you like to. The main sort of benefit to doing it is that you're you're building a property, which can then be rented out by other people who can't afford to get into the market. So you're essentially adding to the amount of housing that is available for people to live in, and that's essentially what you do need to be able to consider. If you're selling the property for about 800,000 because it was your main primary residence, and as they said, you've got that main residence exemption there, not having to pay CGT the benefit to you and then, obviously, building the property up from scratch. So a lot of money to consider. But when you think about that as opposed to buying an existing home somewhere else, a lot of the existing properties are still costing 1 to $2,000,000 to buy anyway. So, I mean, you're probably spending about the same as what you would if you're buying a brand new property. I'm not sure where else you'd probably looking at, but all the properties that I sort of, you know, see here in Queensland on the Gold Coast in Northern New South Wales, there's not much going for less than 900,000 to $1,000,000. So I think if you're going to buy an investment property, giving yourself the best possible tax advantages is one thing. So being able to negatively get a property in the future is a benefit to you because you guys are very much high income earners. The other side of it is if you then sell the property down the track, because it's a brand new deal, you get to choose between the 50% discount we used to have access to versus the 30% new rule that they have at the moment. So the accountant can work out which way actually provides them the better tax advantage when you do go to sell it. So that's something we don't have on new on existing properties. As investors, if we buy an existing property, when we go to sell it, we can only use the 30% CGT rule. And that sometimes provides a higher capital gain than the 50% discount would essentially. Yeah. Yeah. Look. Honestly, I would be if it was me, I would absolutely well, this is a general advice because it's it's I haven't sort of taken your goals or anything. But if it was me, I would be looking to look at a brand new build. That way, I have more tax advantages. That way, I have the option of the 30% capital or the 50% discount method down the track. I would be looking to, as a high income earner, if possible, negatively gain a property. So I make sure my my what coming in income wise is less than what's going out to help kinda minimize tax and making sure that you can, you know, also get the accountant to do up a depreciation schedule for you so you can claim as much as you possibly can as well because, you know, you're in peak earning capacity, and a new build is by no means a bad thing. And, realistically, if you're gonna buy a preexisting home, as I said before, you're probably gonna send send just as much. So you may as well, you know, give yourselves the best advantage you can and look at building a property and getting, you know, the most you can out of it. Yeah. Mhmm. Crazy. Yes. Definitely. Yep. That's all good. Yeah. That's okay. That's all good. Have I is has anything kinda come up further that you need to clarify a bit more? Like, you're welcome to email me. If anything else comes up, it's not a problem at all. But have I kind of given you a bit of clarity in sort of what you were after and answered those questions that you as much as the SMSF one is hard hard to answer right now. Sorry. Yes. Yes. Yes. Yes. Yeah. Yeah. Absolutely. Give me a call. Shoot me an email. Not a problem at all. I'll do everything I can to help. Easy. And, yeah, it's a mortgage broker says, you know, depending on what he says, we'll kind of help you to make up make up your decision on what you're gonna do with the SMS as profit as well. So yeah. Okay. All good. No worries at all, Laurie. You guys have a good day. Thanks. See you later. 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Laura. It's Dana from Financial. How are you? I'm very well. Thank you.\n\nThe guys have booked in for a bit of a catch up this afternoon. You had some questions about property? Yes. Yeah. Yeah.\n\nPick a step. Right. No. No. You're right.\n\nSorry. Yeah. Right. Right. Yes.\n\nMhmm. Yeah. Yeah. Uh-huh. Yep.\n\nMhmm. Mhmm. Yeah. That's probably the biggest one they can say is how long is it gonna take for them to be able to, you know, go through the process? Because the cutoff point for borrowing under a limited recourse borrowing team is the the August 10.\n\nAnd, realistically, if you need to have the loan approved and have the purchase completed by that time, that is literally in about nine days' time. So it's very close to the cutoff time. Yeah. Any loans that have not been approved in that time by that date, you can no longer, after that point, borrow in an SMSF for a residential property. The only way you would be able to borrow in a Safranite Superfund is to borrow for a commercial property, and there are a lot more of it associated with commercial properties there.\n\nSo the question I would probably be looking to ask you guys is, is any of the options available to you? Is anything gonna happen before the tenth of August, or is everything basically gonna be done after that point? Yeah. Yeah. The other thing is transferring funds from Superfund to the SMSF.\n\nWhen requests for rollovers are sent, funds have to be sold down, transfers have to have sort of happened. Everything needs to have happened before the August 10. So I just I'm not sure that you can kinda complete any lending obligations by that time. What sort of guarantees are they giving you guys if they can complete, you know, get these purchases sorted for you before that date? Right.\n\nYeah. Because that's one of the biggest things we have at the moment is we do have a couple of people who are trying to get into City Superfund over the last couple of months. It's kind of at that cutoff point now. But under the new government regulations, which were all kind of approved as of the June 26, if if you don't have a residential property like, if you don't have the loan sorted and approved before the tenth and the purchase completed by the August 10, they'll no longer allow be allowed to do that anymore for residential properties. So that might kind of move your options a little bit lower.\n\nYeah. It is a bit of a tough one because I don't know what the options are. And have you kind of spoken to brokers since then? Has the broker kinda given you any ideas there whether they can get a loan approved in that time frame or not? Right.\n\nYeah. That's interesting. They definitely should have told you guys about that because that certainly does make limit your options. And the other thing to consider is if you have to move more money over for settlement, when funds are rolled over or when the request through the SuperStream system is requested for funds to be rolled into an SMSF, your accountant or whoever's looking after yourself and the Superfund is required to submit that request. When it comes to super funds like industry funds and even have 24, they have to then sell down the investments to cash before they can move those funds over and roll them out.\n\nRealistically, a request for a rollover, a super fund legally has thirty days before they have to have actions that are expressed. So it does mean that they can take longer to do so. Some super funds will be able to roll, you know, 80% of the funds required over in a faster time frame, but to get the other 20%, they have to sell that down because when we when funds are sold from an investment to cash, essentially, the super fund or the investment has the, like, the investment platform has the request essentially from the market what the buy sell costs are so that they can allocate that when they're selling it down. The other side of it is depending on what you're selling down. I mean, with Hub twenty four, we don't normally have that much of an issue because everything we put you in is, like, ETF, so they can be sold very, very quickly.\n\nBut some industry funds as well do have, like, unlisted investments, which can be hard to sell. If you're in anything speculative and that doesn't trade, it can be hard to sell, which can make that time frame sort of pushed out a little more. So what I would be probably suggesting you do at the moment is con find out what the options are. You're welcome to email them to me if you would like some a bit of a rundown on me to have a look at those for you. I would be asking the broker what what are the odds of getting a loan through because some mortgage brokers had actually stopped doing these sorts of lending a few weeks back.\n\nThey weren't able to get them through, and they actually stopped doing them around that early to mid July. So double check with your broker and find out if you're still doing that kind of a loan. What are the odds of getting a loan through in time for that? The other side of it is if you decide to go with another property, finding out when settlement would be because settlement has to be before the tenth of essentially, before the August 10 to my understanding. So I don't know if we can get those things through in time.\n\nIt is cutting it very thin for you guys, and I'm sorry to add more pressure to you. It's not what you need anyway, they perform. But I do feel like the other advisers then and your brokers should have let you know about these deadlines by now. Definitely. Because they were all put through, legislated as of the June 26.\n\nMhmm. Yeah. Double check with your mortgage broker on that because to my understanding, the loan has to be sent through and approved. We've had a couple of clients who've been stressing to get their loan signed and, like, sorted before that point. So I would probably give your mortgage broker a call and get him to confirm that for you or them just to confirm that for you because, yes, in my understanding and everything I've been going on, basically means that the the loan has to be in and approved.\n\nHave you guys had finance or approved? It hasn't you just sort of said that you had they told you they could do it. They had actually put through the loan as such, have they? Yeah. Yeah.\n\nYeah. Yeah. No. That's okay. Yeah.\n\nYeah. And is the deposit sitting in cash in the fund or anything like that, or was it actually paid to the company building the property? Yeah. Wow. Yeah.\n\nI think yeah. Yeah. What I would probably do is because if you sort of did this about two years ago, if the loan was all done and done and ready to go, you'd signed contracts and the loan was put in place, you could find out you did that to fix your mortgage broker, find out if they can do up a new loan in time, if the loan was already set up and approved prior to it, what this means what these changes mean to you guys moving forward with this property. And then it's just about work working out whether you whether you wanna go ahead with it, whether this is the right thing for you or not, because the other side of it is how then do you pay the rest of the money that you have to pay, in time. And if it's something you need to roll out of another super fund that needs to be requested straight away, and even at this sort of a time frame, there's no guarantee that it will make it in time.\n\nYeah. So yep. Sorry. Yeah. Wish I have better news for you.\n\nYeah. Mhmm. Yep. Perfect. Yep.\n\nYep. Yeah. Yes. Yes. Yeah.\n\nMhmm. Yes. Yes. Yeah. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yeah. Understandable. Definitely. I mean, if you're going to look at this as an investment property, in order to sort of benefit from the changes because I don't know if anyone's kinda gone through the updated changes in CGT as well, But as of the same time that they put those changes in with the stuff and the super fund, they also put through CGT changes.\n\nSo as an investor, if you're wanting to be able to look at utilizing an investment property for the purpose of, you know, negative negative gearing, being able to help kind of lower your overall tax. Buying a brand new property and building is the best way to go. Moving forward, if you were to purchase, like, a preexisting home, they don't allow you to negatively get the property anymore, which means that every year, say, as an example, you would receive 20,000 in income from the property, and you spent had extended to a fee of, say, 40,000. When you go to do your tax return, you won't be able to claim the extra $220,000 back on your income to reduce your income. They will assume the property is being completely and mutually geared, and any losses that you accrue are are carried forward until you sell the property and then deduct it off the capital gain at the end of it.\n\nSo if you are because you guys are still very high income earners, if you are wanting to access maybe negatively gearing, which could be an option, if the, you know, the rental appraisal comes back that the amount you're spending on the property when it comes to the interest on the loan, if you do gardens, if you have, you know, a a manager looking after the property, if you have all that expenditure outlay is more than what you're actually getting back in the way of income, in way of rental from the property, then it'll be negligible. And they having a brand new prop yeah. Sorry. Yeah. Yeah.\n\nNo. Not to my understanding. There's no limit to that. You can have three, four, five properties. It's not a problem at all as long as you are buying a brand new property.\n\nLet me double check to make sure that hasn't changed in my eyes because, yeah, I went through and pulled the legislation apart the other week and read through all the changes, and it doesn't say anywhere that there's a limit on on the property on the amount of properties that you can have. Yeah. Yeah. No. Understandable.\n\nI mean, it is a lot of money to spend on a property. Yeah. So I just double checked. It says here under the new tax forms, there is no specific number. There's no specific limit to the number of properties or eligible new bills that you can negatively get.\n\nYou can have two, three, five, ten properties if you like to. The main sort of benefit to doing it is that you're you're building a property, which can then be rented out by other people who can't afford to get into the market. So you're essentially adding to the amount of housing that is available for people to live in, and that's essentially what you do need to be able to consider. If you're selling the property for about 800,000 because it was your main primary residence, and as they said, you've got that main residence exemption there, not having to pay CGT the benefit to you and then, obviously, building the property up from scratch. So a lot of money to consider.\n\nBut when you think about that as opposed to buying an existing home somewhere else, a lot of the existing properties are still costing 1 to $2,000,000 to buy anyway. So, I mean, you're probably spending about the same as what you would if you're buying a brand new property. I'm not sure where else you'd probably looking at, but all the properties that I sort of, you know, see here in Queensland on the Gold Coast in Northern New South Wales, there's not much going for less than 900,000 to $1,000,000. So I think if you're going to buy an investment property, giving yourself the best possible tax advantages is one thing. So being able to negatively get a property in the future is a benefit to you because you guys are very much high income earners.\n\nThe other side of it is if you then sell the property down the track, because it's a brand new deal, you get to choose between the 50% discount we used to have access to versus the 30% new rule that they have at the moment. So the accountant can work out which way actually provides them the better tax advantage when you do go to sell it. So that's something we don't have on new on existing properties. As investors, if we buy an existing property, when we go to sell it, we can only use the 30% CGT rule. And that sometimes provides a higher capital gain than the 50% discount would essentially.\n\nYeah. Yeah. Look. Honestly, I would be if it was me, I would absolutely well, this is a general advice because it's it's I haven't sort of taken your goals or anything. But if it was me, I would be looking to look at a brand new build.\n\nThat way, I have more tax advantages. That way, I have the option of the 30% capital or the 50% discount method down the track. I would be looking to, as a high income earner, if possible, negatively gain a property. So I make sure my my what coming in income wise is less than what's going out to help kinda minimize tax and making sure that you can, you know, also get the accountant to do up a depreciation schedule for you so you can claim as much as you possibly can as well because, you know, you're in peak earning capacity, and a new build is by no means a bad thing. And, realistically, if you're gonna buy a preexisting home, as I said before, you're probably gonna send send just as much.\n\nSo you may as well, you know, give yourselves the best advantage you can and look at building a property and getting, you know, the most you can out of it. Yeah. Mhmm. Crazy. Yes.\n\nDefinitely. Yep. That's all good. Yeah. That's okay.\n\nThat's all good. Have I is has anything kinda come up further that you need to clarify a bit more? Like, you're welcome to email me. If anything else comes up, it's not a problem at all. But have I kind of given you a bit of clarity in sort of what you were after and answered those questions that you as much as the SMSF one is hard hard to answer right now.\n\nSorry. Yes. Yes. Yes. Yes.\n\nYeah. Yeah. Absolutely. Give me a call. Shoot me an email.\n\nNot a problem at all. I'll do everything I can to help. Easy. And, yeah, it's a mortgage broker says, you know, depending on what he says, we'll kind of help you to make up make up your decision on what you're gonna do with the SMS as profit as well. So yeah.\n\nOkay. All good. No worries at all, Laurie. You guys have a good day. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Laura.","start":3.1999998,"end":3.84,"sentiment":"neutral","sentiment_score":0.10902919620275497},{"text":"It's Dana from Financial.","start":3.84,"end":4.98,"sentiment":"neutral","sentiment_score":0.1588149331510067},{"text":"How are you?","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.15219376981258392},{"text":"I'm very well.","start":8.72,"end":9.76,"sentiment":"positive","sentiment_score":0.5677244265874227},{"text":"Thank you.","start":9.76,"end":10.48,"sentiment":"positive","sentiment_score":0.6118677854537964}],"sentiment":"neutral","sentiment_score":0.30262916322265354,"num_words":14,"start":3.1999998,"end":10.48},{"sentences":[{"text":"The guys have booked in for a bit of a catch up this afternoon.","start":10.48,"end":13.219999,"sentiment":"neutral","sentiment_score":0.10131045856646129},{"text":"You had some questions about property?","start":13.28,"end":15.139999,"sentiment":"neutral","sentiment_score":0.00513678090646863},{"text":"Yes.","start":16.025,"end":16.525,"sentiment":"neutral","sentiment_score":0.014186346903443336},{"text":"Yeah.","start":42.84,"end":43.34,"sentiment":"neutral","sentiment_score":-0.18154478073120117},{"text":"Yeah.","start":53.835,"end":54.335,"sentiment":"neutral","sentiment_score":-0.13325832784175873}],"sentiment":"neutral","sentiment_score":0.04993697146520666,"num_words":23,"start":10.48,"end":54.335},{"sentences":[{"text":"Pick a step.","start":60.13,"end":62.870003,"sentiment":"neutral","sentiment_score":-0.04444915925463041},{"text":"Right.","start":63.49,"end":63.99,"sentiment":"neutral","sentiment_score":-0.044230032712221146},{"text":"No.","start":64.61,"end":64.85,"sentiment":"neutral","sentiment_score":-0.2179974913597107},{"text":"No.","start":64.85,"end":65.01,"sentiment":"neutral","sentiment_score":-0.2565447688102722},{"text":"You're right.","start":65.01,"end":65.41,"sentiment":"neutral","sentiment_score":-0.18698305636644363}],"sentiment":"neutral","sentiment_score":-0.12826073542237282,"num_words":8,"start":60.13,"end":65.41},{"sentences":[{"text":"Sorry.","start":65.41,"end":65.91,"sentiment":"neutral","sentiment_score":-0.21758781373500824},{"text":"Yeah.","start":70.450005,"end":70.950005,"sentiment":"neutral","sentiment_score":-0.19890329241752625},{"text":"Right.","start":83.075005,"end":83.575005,"sentiment":"neutral","sentiment_score":-0.17136168479919434},{"text":"Right.","start":98.64,"end":99.14,"sentiment":"neutral","sentiment_score":-0.11344045400619508},{"text":"Yes.","start":104.575,"end":105.075,"sentiment":"neutral","sentiment_score":-0.17061646282672882}],"sentiment":"neutral","sentiment_score":-0.17438194155693054,"num_words":5,"start":65.41,"end":105.075},{"sentences":[{"text":"Mhmm.","start":115.774994,"end":116.25,"sentiment":"negative","sentiment_score":-0.4276285171508789},{"text":"Yeah.","start":126.89,"end":127.39,"sentiment":"neutral","sentiment_score":0.10362613201141356},{"text":"Yeah.","start":132.745,"end":133.245,"sentiment":"neutral","sentiment_score":0.02983992919325829},{"text":"Uh-huh.","start":143.81999,"end":144.31999,"sentiment":"neutral","sentiment_score":-0.043826259672641754},{"text":"Yep.","start":146.22,"end":146.72,"sentiment":"neutral","sentiment_score":0.04082068055868149}],"sentiment":"neutral","sentiment_score":-0.059433607012033464,"num_words":5,"start":115.774994,"end":146.72},{"sentences":[{"text":"Mhmm.","start":153.5,"end":153.66,"sentiment":"neutral","sentiment_score":-0.146581768989563},{"text":"Mhmm.","start":153.66,"end":154.16,"sentiment":"neutral","sentiment_score":-0.13958057761192322},{"text":"Yeah.","start":173.31,"end":173.81,"sentiment":"neutral","sentiment_score":-0.17217221856117249},{"text":"That's probably the biggest one they can say is how long is it gonna take for them to be able to, you know, go through the process?","start":174.11,"end":180.45,"sentiment":"neutral","sentiment_score":-0.274164080619812},{"text":"Because the cutoff point for borrowing under a limited recourse borrowing team is the the August 10.","start":180.51,"end":187.695,"sentiment":"neutral","sentiment_score":-0.22632053056183984}],"sentiment":"neutral","sentiment_score":-0.2491109310946566,"num_words":47,"start":153.5,"end":187.695},{"sentences":[{"text":"And, realistically, if you need to have the loan approved and have the purchase completed by that time, that is literally in about nine days' time.","start":187.995,"end":197.035,"sentiment":"neutral","sentiment_score":-0.23024727117556792},{"text":"So it's very close to the cutoff time.","start":197.035,"end":199.695,"sentiment":"neutral","sentiment_score":-0.18896855227649212},{"text":"Yeah.","start":200.13,"end":200.63,"sentiment":"neutral","sentiment_score":-0.17309054732322693},{"text":"Any loans that have not been approved in that time by that date, you can no longer, after that point, borrow in an SMSF for a residential property.","start":201.56999,"end":211.17,"sentiment":"neutral","sentiment_score":-0.2683225822235857},{"text":"The only way you would be able to borrow in a Safranite Superfund is to borrow for a commercial property, and there are a lot more of it associated with commercial properties there.","start":211.17,"end":221.38501,"sentiment":"neutral","sentiment_score":-0.17937447582230423}],"sentiment":"neutral","sentiment_score":-0.21982977104683718,"num_words":96,"start":187.995,"end":221.38501},{"sentences":[{"text":"So the question I would probably be looking to ask you guys is, is any of the options available to you?","start":222.24501,"end":230.59001,"sentiment":"neutral","sentiment_score":-0.056095784796135764},{"text":"Is anything gonna happen before the tenth of August, or is everything basically gonna be done after that point?","start":230.59001,"end":237.73001,"sentiment":"neutral","sentiment_score":-0.1313595340440148},{"text":"Yeah.","start":244.175,"end":244.675,"sentiment":"neutral","sentiment_score":-0.005159597843885422},{"text":"Yeah.","start":248.895,"end":249.395,"sentiment":"neutral","sentiment_score":-0.04012058675289154},{"text":"The other thing is transferring funds from Superfund to the SMSF.","start":249.455,"end":254.51501,"sentiment":"neutral","sentiment_score":-0.08904647623950784}],"sentiment":"neutral","sentiment_score":-0.08865347265634897,"num_words":53,"start":222.24501,"end":254.51501},{"sentences":[{"text":"When requests for rollovers are sent, funds have to be sold down, transfers have to have sort of happened.","start":255.83,"end":262.38998,"sentiment":"neutral","sentiment_score":-0.12667305414613925},{"text":"Everything needs to have happened before the August 10.","start":262.38998,"end":264.71,"sentiment":"neutral","sentiment_score":-0.14830449637439516},{"text":"So I just I'm not sure that you can kinda complete any lending obligations by that time.","start":264.71,"end":270.81,"sentiment":"neutral","sentiment_score":-0.3291361796505311},{"text":"What sort of guarantees are they giving you guys if they can complete, you know, get these purchases sorted for you before that date?","start":271.725,"end":278.945,"sentiment":"neutral","sentiment_score":-0.09692941357692082},{"text":"Right.","start":294.13,"end":294.29,"sentiment":"neutral","sentiment_score":0.08208160847425461}],"sentiment":"neutral","sentiment_score":-0.1654438266796725,"num_words":70,"start":255.83,"end":294.29},{"sentences":[{"text":"Yeah.","start":294.29,"end":294.69,"sentiment":"neutral","sentiment_score":0.06893705576658249},{"text":"Because that's one of the biggest things we have at the moment is we do have a couple of people who are trying to get into City Superfund over the last couple of months.","start":294.69,"end":302.145,"sentiment":"neutral","sentiment_score":0.026504703057820305},{"text":"It's kind of at that cutoff point now.","start":302.145,"end":304.16498,"sentiment":"neutral","sentiment_score":-0.14296612702310085},{"text":"But under the new government regulations, which were all kind of approved as of the June 26, if if you don't have a residential property like, if you don't have the loan sorted and approved before the tenth and the purchase completed by the August 10, they'll no longer allow be allowed to do that anymore for residential properties.","start":304.625,"end":327.255,"sentiment":"neutral","sentiment_score":-0.23437517666715688},{"text":"So that might kind of move your options a little bit lower.","start":327.255,"end":329.995,"sentiment":"neutral","sentiment_score":-0.309684398273627}],"sentiment":"neutral","sentiment_score":-0.1554208794657729,"num_words":114,"start":294.29,"end":329.995},{"sentences":[{"text":"Yeah.","start":331.655,"end":331.975,"sentiment":"neutral","sentiment_score":-0.2009701132774353},{"text":"It is a bit of a tough one because I don't know what the options are.","start":331.975,"end":335.435,"sentiment":"negative","sentiment_score":-0.40385458804666996},{"text":"And have you kind of spoken to brokers since then?","start":335.895,"end":338.695,"sentiment":"neutral","sentiment_score":-0.1507255770266056},{"text":"Has the broker kinda given you any ideas there whether they can get a loan approved in that time frame or not?","start":338.695,"end":349.65,"sentiment":"neutral","sentiment_score":-0.20890544151717966},{"text":"Right.","start":351.95,"end":352.45,"sentiment":"neutral","sentiment_score":-0.2090991884469986}],"sentiment":"neutral","sentiment_score":-0.25949836388230324,"num_words":50,"start":331.655,"end":352.45},{"sentences":[{"text":"Yeah.","start":355.685,"end":356.16498,"sentiment":"neutral","sentiment_score":-0.18377253413200376},{"text":"That's interesting.","start":356.16498,"end":356.985,"sentiment":"neutral","sentiment_score":-0.23174197226762772},{"text":"They definitely should have told you guys about that because that certainly does make limit your options.","start":357.125,"end":362.425,"sentiment":"negative","sentiment_score":-0.5997940775226144},{"text":"And the other thing to consider is if you have to move more money over for settlement, when funds are rolled over or when the request through the SuperStream system is requested for funds to be rolled into an SMSF, your accountant or whoever's looking after yourself and the Superfund is required to submit that request.","start":363.04498,"end":379.80002,"sentiment":"neutral","sentiment_score":-0.06316359509115241},{"text":"When it comes to super funds like industry funds and even have 24, they have to then sell down the investments to cash before they can move those funds over and roll them out.","start":380.565,"end":391.145,"sentiment":"neutral","sentiment_score":-0.21091276714030435}],"sentiment":"neutral","sentiment_score":-0.19592682913115078,"num_words":110,"start":355.685,"end":391.145},{"sentences":[{"text":"Realistically, a request for a rollover, a super fund legally has thirty days before they have to have actions that are expressed.","start":391.525,"end":400.2,"sentiment":"neutral","sentiment_score":-0.16058805618773808},{"text":"So it does mean that they can take longer to do so.","start":400.34,"end":404.68002,"sentiment":"neutral","sentiment_score":-0.25842353080709773},{"text":"Some super funds will be able to roll, you know, 80% of the funds required over in a faster time frame, but to get the other 20%, they have to sell that down because when we when funds are sold from an investment to cash, essentially, the super fund or the investment has the, like, the investment platform has the request essentially from the market what the buy sell costs are so that they can allocate that when they're selling it down.","start":405.22,"end":433.93997,"sentiment":"neutral","sentiment_score":-0.10755866284414035},{"text":"The other side of it is depending on what you're selling down.","start":434.08,"end":436.71997,"sentiment":"neutral","sentiment_score":-0.22869470963875452},{"text":"I mean, with Hub twenty four, we don't normally have that much of an issue because everything we put you in is, like, ETF, so they can be sold very, very quickly.","start":436.71997,"end":444.075,"sentiment":"neutral","sentiment_score":-0.22389098000712693}],"sentiment":"neutral","sentiment_score":-0.15851673646830022,"num_words":160,"start":391.525,"end":444.075},{"sentences":[{"text":"But some industry funds as well do have, like, unlisted investments, which can be hard to sell.","start":444.535,"end":450.555,"sentiment":"negative","sentiment_score":-0.36489995919606266},{"text":"If you're in anything speculative and that doesn't trade, it can be hard to sell, which can make that time frame sort of pushed out a little more.","start":450.775,"end":458.77002,"sentiment":"negative","sentiment_score":-0.5146176932113511},{"text":"So what I would be probably suggesting you do at the moment is con find out what the options are.","start":459.31,"end":464.59,"sentiment":"neutral","sentiment_score":0.012203891202807427},{"text":"You're welcome to email them to me if you would like some a bit of a rundown on me to have a look at those for you.","start":464.59,"end":470.355,"sentiment":"neutral","sentiment_score":0.32910761292333957},{"text":"I would be asking the broker what what are the odds of getting a loan through because some mortgage brokers had actually stopped doing these sorts of lending a few weeks back.","start":470.595,"end":482.11502,"sentiment":"neutral","sentiment_score":-0.2142373190727085}],"sentiment":"neutral","sentiment_score":-0.14788875446444558,"num_words":124,"start":444.535,"end":482.11502},{"sentences":[{"text":"They weren't able to get them through, and they actually stopped doing them around that early to mid July.","start":482.11502,"end":487.19998,"sentiment":"negative","sentiment_score":-0.453450155885596},{"text":"So double check with your broker and find out if you're still doing that kind of a loan.","start":487.74,"end":491.58,"sentiment":"neutral","sentiment_score":-0.2649863411982854},{"text":"What are the odds of getting a loan through in time for that?","start":491.58,"end":495.74,"sentiment":"neutral","sentiment_score":-0.11242411342950967},{"text":"The other side of it is if you decide to go with another property, finding out when settlement would be because settlement has to be before the tenth of essentially, before the August 10 to my understanding.","start":495.74,"end":509.655,"sentiment":"neutral","sentiment_score":-0.15637131760249268},{"text":"So I don't know if we can get those things through in time.","start":510.75,"end":514.27,"sentiment":"negative","sentiment_score":-0.36348583377324617}],"sentiment":"neutral","sentiment_score":-0.2535787516832352,"num_words":100,"start":482.11502,"end":514.27},{"sentences":[{"text":"It is cutting it very thin for you guys, and I'm sorry to add more pressure to you.","start":514.27,"end":518.67,"sentiment":"negative","sentiment_score":-0.6378051969740126},{"text":"It's not what you need anyway, they perform.","start":518.67,"end":520.77,"sentiment":"neutral","sentiment_score":-0.19472107710316777},{"text":"But I do feel like the other advisers then and your brokers should have let you know about these deadlines by now.","start":521.39,"end":526.895,"sentiment":"neutral","sentiment_score":0.009510691531679848},{"text":"Definitely.","start":527.11505,"end":527.61505,"sentiment":"neutral","sentiment_score":0.19946180284023285},{"text":"Because they were all put through, legislated as of the June 26.","start":527.67505,"end":532.81506,"sentiment":"neutral","sentiment_score":0.2564230461915334}],"sentiment":"neutral","sentiment_score":-0.15659817363150785,"num_words":61,"start":514.27,"end":532.81506},{"sentences":[{"text":"Mhmm.","start":542.03,"end":542.53,"sentiment":"neutral","sentiment_score":0.04002787917852402},{"text":"Yeah.","start":558.04504,"end":558.54504,"sentiment":"neutral","sentiment_score":0.06063404679298401},{"text":"Double check with your mortgage broker on that because to my understanding, the loan has to be sent through and approved.","start":558.765,"end":565.41003,"sentiment":"neutral","sentiment_score":0.06883153567711513},{"text":"We've had a couple of clients who've been stressing to get their loan signed and, like, sorted before that point.","start":565.41003,"end":571.91003,"sentiment":"neutral","sentiment_score":-0.012926645018160344},{"text":"So I would probably give your mortgage broker a call and get him to confirm that for you or them just to confirm that for you because, yes, in my understanding and everything I've been going on, basically means that the the loan has to be in and approved.","start":572.77,"end":585.155,"sentiment":"neutral","sentiment_score":0.1615524451647486}],"sentiment":"neutral","sentiment_score":0.10003979443370001,"num_words":92,"start":542.03,"end":585.155},{"sentences":[{"text":"Have you guys had finance or approved?","start":586.09503,"end":588.175,"sentiment":"neutral","sentiment_score":0.02646106162241527},{"text":"It hasn't you just sort of said that you had they told you they could do it.","start":588.175,"end":591.53503,"sentiment":"neutral","sentiment_score":-0.11703635971335803},{"text":"They had actually put through the loan as such, have they?","start":591.53503,"end":594.115,"sentiment":"neutral","sentiment_score":0.01966450752859766},{"text":"Yeah.","start":605.96,"end":606.46,"sentiment":"neutral","sentiment_score":-0.02747813425958157},{"text":"Yeah.","start":610.825,"end":611.325,"sentiment":"neutral","sentiment_score":-0.047032635658979416}],"sentiment":"neutral","sentiment_score":-0.044934915429031524,"num_words":37,"start":586.09503,"end":611.325},{"sentences":[{"text":"Yeah.","start":620.185,"end":620.435,"sentiment":"neutral","sentiment_score":-0.028097091242671013},{"text":"Yeah.","start":620.435,"end":620.935,"sentiment":"neutral","sentiment_score":-0.02038973569869995},{"text":"No.","start":625.71,"end":625.87,"sentiment":"neutral","sentiment_score":-0.1299424171447754},{"text":"That's okay.","start":625.87,"end":626.69,"sentiment":"neutral","sentiment_score":-0.031528825871646404},{"text":"Yeah.","start":627.31,"end":627.81,"sentiment":"neutral","sentiment_score":-0.02329835295677185}],"sentiment":"neutral","sentiment_score":-0.044130874797701836,"num_words":6,"start":620.185,"end":627.81},{"sentences":[{"text":"Yeah.","start":661.43,"end":661.93,"sentiment":"neutral","sentiment_score":-0.027113856747746468},{"text":"And is the deposit sitting in cash in the fund or anything like that, or was it actually paid to the company building the property?","start":661.99,"end":669.125,"sentiment":"neutral","sentiment_score":-0.04580330356955528},{"text":"Yeah.","start":674.705,"end":675.105,"sentiment":"neutral","sentiment_score":-0.004607995972037315},{"text":"Wow.","start":675.105,"end":675.605,"sentiment":"neutral","sentiment_score":-0.02331053651869297},{"text":"Yeah.","start":676.865,"end":677.185,"sentiment":"neutral","sentiment_score":-0.07366633415222168}],"sentiment":"neutral","sentiment_score":-0.04392349353895105,"num_words":29,"start":661.43,"end":677.185},{"sentences":[{"text":"I think yeah.","start":677.185,"end":679.445,"sentiment":"neutral","sentiment_score":-0.08719409008820851},{"text":"Yeah.","start":680.13,"end":680.63,"sentiment":"neutral","sentiment_score":-0.1282249093055725},{"text":"What I would probably do is because if you sort of did this about two years ago, if the loan was all done and done and ready to go, you'd signed contracts and the loan was put in place, you could find out you did that to fix your mortgage broker, find out if they can do up a new loan in time, if the loan was already set up and approved prior to it, what this means what these changes mean to you guys moving forward with this property.","start":680.77,"end":710.68,"sentiment":"neutral","sentiment_score":-0.051182184813337195},{"text":"And then it's just about work working out whether you whether you wanna go ahead with it, whether this is the right thing for you or not, because the other side of it is how then do you pay the rest of the money that you have to pay, in time.","start":711.54,"end":725.245,"sentiment":"neutral","sentiment_score":-0.0048174561770614605},{"text":"And if it's something you need to roll out of another super fund that needs to be requested straight away, and even at this sort of a time frame, there's no guarantee that it will make it in time.","start":725.245,"end":736.8,"sentiment":"neutral","sentiment_score":-0.1660505588620137}],"sentiment":"neutral","sentiment_score":-0.06368405365988704,"num_words":184,"start":677.185,"end":736.8},{"sentences":[{"text":"Yeah.","start":739.58,"end":740.08,"sentiment":"neutral","sentiment_score":0.022210169583559036},{"text":"So yep.","start":740.3,"end":744.48,"sentiment":"neutral","sentiment_score":0.015237644431181252},{"text":"Sorry.","start":745.18,"end":745.68,"sentiment":"neutral","sentiment_score":-0.1369672417640686},{"text":"Yeah.","start":747.045,"end":747.545,"sentiment":"neutral","sentiment_score":0.07572156935930252},{"text":"Wish I have better news for you.","start":747.605,"end":749.545,"sentiment":"neutral","sentiment_score":0.019111592322587967}],"sentiment":"neutral","sentiment_score":0.010435077691605935,"num_words":12,"start":739.58,"end":749.545},{"sentences":[{"text":"Yeah.","start":754.325,"end":754.825,"sentiment":"neutral","sentiment_score":0.020622234791517258},{"text":"Mhmm.","start":763.0,"end":763.5,"sentiment":"neutral","sentiment_score":0.024908512830734253},{"text":"Yep.","start":764.52,"end":765.02,"sentiment":"neutral","sentiment_score":0.0800209566950798},{"text":"Perfect.","start":769.39996,"end":769.89996,"sentiment":"positive","sentiment_score":0.5264195799827576},{"text":"Yep.","start":779.85504,"end":779.935,"sentiment":"neutral","sentiment_score":0.07577651739120483}],"sentiment":"neutral","sentiment_score":0.14554956033825875,"num_words":5,"start":754.325,"end":779.935},{"sentences":[{"text":"Yep.","start":779.935,"end":780.435,"sentiment":"neutral","sentiment_score":0.006242976989597082},{"text":"Yeah.","start":785.695,"end":786.195,"sentiment":"neutral","sentiment_score":-0.02431368827819824},{"text":"Yes.","start":789.29504,"end":789.63,"sentiment":"neutral","sentiment_score":0.01809103414416313},{"text":"Yes.","start":803.79,"end":804.29,"sentiment":"neutral","sentiment_score":-0.0516381561756134},{"text":"Yeah.","start":811.74506,"end":812.24506,"sentiment":"neutral","sentiment_score":-0.0985013023018837}],"sentiment":"neutral","sentiment_score":-0.030023827124387024,"num_words":5,"start":779.935,"end":812.24506},{"sentences":[{"text":"Mhmm.","start":832.2,"end":832.635,"sentiment":"neutral","sentiment_score":-0.0010380069725215435},{"text":"Yes.","start":837.355,"end":837.855,"sentiment":"neutral","sentiment_score":0.15006813406944275},{"text":"Yes.","start":841.03503,"end":841.53503,"sentiment":"neutral","sentiment_score":0.1811550110578537},{"text":"Yeah.","start":850.11,"end":850.61,"sentiment":"neutral","sentiment_score":0.06998278945684433},{"text":"Yep.","start":868.365,"end":868.865,"sentiment":"neutral","sentiment_score":0.2958109974861145}],"sentiment":"neutral","sentiment_score":0.13919578501954674,"num_words":5,"start":832.2,"end":868.865},{"sentences":[{"text":"Yep.","start":869.645,"end":870.03,"sentiment":"neutral","sentiment_score":0.11148612946271896},{"text":"Yeah.","start":871.47003,"end":871.97003,"sentiment":"neutral","sentiment_score":0.05239889770746231},{"text":"Yeah.","start":893.135,"end":893.295,"sentiment":"neutral","sentiment_score":-0.1053214818239212},{"text":"Yeah.","start":893.295,"end":893.795,"sentiment":"neutral","sentiment_score":-0.1321217268705368},{"text":"Yeah.","start":905.63,"end":906.13,"sentiment":"neutral","sentiment_score":-0.07035954296588898}],"sentiment":"neutral","sentiment_score":-0.028783544898033142,"num_words":5,"start":869.645,"end":906.13},{"sentences":[{"text":"Yep.","start":913.28503,"end":913.78503,"sentiment":"neutral","sentiment_score":-0.16335263848304749},{"text":"Yeah.","start":920.52,"end":921.02,"sentiment":"neutral","sentiment_score":-0.007527381181716919},{"text":"Understandable.","start":921.24005,"end":921.74005,"sentiment":"neutral","sentiment_score":0.014755530282855034},{"text":"Definitely.","start":922.04004,"end":922.54004,"sentiment":"neutral","sentiment_score":-0.08071984350681305},{"text":"I mean, if you're going to look at this as an investment property, in order to sort of benefit from the changes because I don't know if anyone's kinda gone through the updated changes in CGT as well, But as of the same time that they put those changes in with the stuff and the super fund, they also put through CGT changes.","start":922.76,"end":942.515,"sentiment":"neutral","sentiment_score":0.10577959440175504}],"sentiment":"neutral","sentiment_score":0.09592940469286335,"num_words":67,"start":913.28503,"end":942.515},{"sentences":[{"text":"So as an investor, if you're wanting to be able to look at utilizing an investment property for the purpose of, you know, negative negative gearing, being able to help kind of lower your overall tax.","start":942.515,"end":955.75,"sentiment":"neutral","sentiment_score":0.2906067081623607},{"text":"Buying a brand new property and building is the best way to go.","start":956.29,"end":959.75,"sentiment":"positive","sentiment_score":0.5525152522784013},{"text":"Moving forward, if you were to purchase, like, a preexisting home, they don't allow you to negatively get the property anymore, which means that every year, say, as an example, you would receive 20,000 in income from the property, and you spent had extended to a fee of, say, 40,000.","start":960.13,"end":978.215,"sentiment":"neutral","sentiment_score":0.1156473460048437},{"text":"When you go to do your tax return, you won't be able to claim the extra $220,000 back on your income to reduce your income.","start":979.07,"end":985.55,"sentiment":"neutral","sentiment_score":0.1617203661799431},{"text":"They will assume the property is being completely and mutually geared, and any losses that you accrue are are carried forward until you sell the property and then deduct it off the capital gain at the end of it.","start":985.55,"end":998.485,"sentiment":"neutral","sentiment_score":0.12003291379182766}],"sentiment":"neutral","sentiment_score":0.1972466249453144,"num_words":163,"start":942.515,"end":998.485},{"sentences":[{"text":"So if you are because you guys are still very high income earners, if you are wanting to access maybe negatively gearing, which could be an option, if the, you know, the rental appraisal comes back that the amount you're spending on the property when it comes to the interest on the loan, if you do gardens, if you have, you know, a a manager looking after the property, if you have all that expenditure outlay is more than what you're actually getting back in the way of income, in way of rental from the property, then it'll be negligible.","start":998.485,"end":1029.065,"sentiment":"neutral","sentiment_score":-0.1507700065150857},{"text":"And they having a brand new prop yeah.","start":1029.125,"end":1034.825,"sentiment":"neutral","sentiment_score":-0.20660543767735362},{"text":"Sorry.","start":1035.045,"end":1035.545,"sentiment":"neutral","sentiment_score":-0.13104955852031708},{"text":"Yeah.","start":1047.9,"end":1048.4,"sentiment":"neutral","sentiment_score":-0.06898240000009537},{"text":"Yeah.","start":1049.34,"end":1049.84,"sentiment":"neutral","sentiment_score":-0.0145463515073061}],"sentiment":"neutral","sentiment_score":-0.15265245462121727,"num_words":111,"start":998.485,"end":1049.84},{"sentences":[{"text":"No.","start":1052.0349,"end":1052.515,"sentiment":"neutral","sentiment_score":-0.06471187621355057},{"text":"Not to my understanding.","start":1052.515,"end":1053.5549,"sentiment":"neutral","sentiment_score":-0.08848759345710278},{"text":"There's no limit to that.","start":1053.5549,"end":1054.595,"sentiment":"neutral","sentiment_score":-0.04392392411828041},{"text":"You can have three, four, five properties.","start":1054.595,"end":1056.4349,"sentiment":"neutral","sentiment_score":0.10674722705568586},{"text":"It's not a problem at all as long as you are buying a brand new property.","start":1056.4349,"end":1061.255,"sentiment":"neutral","sentiment_score":0.14390766341239214}],"sentiment":"neutral","sentiment_score":0.07307488888953671,"num_words":33,"start":1052.0349,"end":1061.255},{"sentences":[{"text":"Let me double check to make sure that hasn't changed in my eyes because, yeah, I went through and pulled the legislation apart the other week and read through all the changes, and it doesn't say anywhere that there's a limit on on the property on the amount of properties that you can have.","start":1061.315,"end":1075.74,"sentiment":"neutral","sentiment_score":-0.07124215640403607},{"text":"Yeah.","start":1079.16,"end":1079.66,"sentiment":"neutral","sentiment_score":0.171059712767601},{"text":"Yeah.","start":1094.33,"end":1094.49,"sentiment":"neutral","sentiment_score":-0.04286003112792969},{"text":"No.","start":1094.49,"end":1094.8899,"sentiment":"neutral","sentiment_score":-0.1531202793121338},{"text":"Understandable.","start":1094.8899,"end":1095.3899,"sentiment":"neutral","sentiment_score":-0.17767511308193207}],"sentiment":"neutral","sentiment_score":-0.0698219337340059,"num_words":58,"start":1061.315,"end":1095.3899},{"sentences":[{"text":"I mean, it is a lot of money to spend on a property.","start":1096.09,"end":1098.99,"sentiment":"neutral","sentiment_score":-0.21151386889127585},{"text":"Yeah.","start":1099.45,"end":1099.7699,"sentiment":"neutral","sentiment_score":-0.07395263761281967},{"text":"So I just double checked.","start":1099.7699,"end":1100.8099,"sentiment":"neutral","sentiment_score":-0.03477181419730187},{"text":"It says here under the new tax forms, there is no specific number.","start":1100.8099,"end":1104.35,"sentiment":"neutral","sentiment_score":-0.06004717401587046},{"text":"There's no specific limit to the number of properties or eligible new bills that you can negatively get.","start":1104.855,"end":1109.975,"sentiment":"neutral","sentiment_score":-0.21209841780364513}],"sentiment":"neutral","sentiment_score":-0.15191753573715686,"num_words":50,"start":1096.09,"end":1109.975},{"sentences":[{"text":"You can have two, three, five, ten properties if you like to.","start":1109.975,"end":1113.515,"sentiment":"neutral","sentiment_score":-0.003679717735697826},{"text":"The main sort of benefit to doing it is that you're you're building a property, which can then be rented out by other people who can't afford to get into the market.","start":1113.895,"end":1123.15,"sentiment":"neutral","sentiment_score":0.1748434891924262},{"text":"So you're essentially adding to the amount of housing that is available for people to live in, and that's essentially what you do need to be able to consider.","start":1123.2101,"end":1132.03,"sentiment":"neutral","sentiment_score":0.22670226775366684},{"text":"If you're selling the property for about 800,000 because it was your main primary residence, and as they said, you've got that main residence exemption there, not having to pay CGT the benefit to you and then, obviously, building the property up from scratch.","start":1132.965,"end":1148.78,"sentiment":"neutral","sentiment_score":0.13652714612809094},{"text":"So a lot of money to consider.","start":1148.78,"end":1150.4,"sentiment":"neutral","sentiment_score":-0.028711966638054167}],"sentiment":"neutral","sentiment_score":0.14460815701092924,"num_words":124,"start":1109.975,"end":1150.4},{"sentences":[{"text":"But when you think about that as opposed to buying an existing home somewhere else, a lot of the existing properties are still costing 1 to $2,000,000 to buy anyway.","start":1151.1799,"end":1163.605,"sentiment":"neutral","sentiment_score":-0.2007119546333949},{"text":"So, I mean, you're probably spending about the same as what you would if you're buying a brand new property.","start":1163.8251,"end":1170.225,"sentiment":"neutral","sentiment_score":-0.1062571257352829},{"text":"I'm not sure where else you'd probably looking at, but all the properties that I sort of, you know, see here in Queensland on the Gold Coast in Northern New South Wales, there's not much going for less than 900,000 to $1,000,000.","start":1170.225,"end":1183.98,"sentiment":"neutral","sentiment_score":-0.06117205113349926},{"text":"So I think if you're going to buy an investment property, giving yourself the best possible tax advantages is one thing.","start":1183.98,"end":1192.715,"sentiment":"neutral","sentiment_score":0.16356666811874934},{"text":"So being able to negatively get a property in the future is a benefit to you because you guys are very much high income earners.","start":1192.715,"end":1199.135,"sentiment":"neutral","sentiment_score":0.05456546872854233}],"sentiment":"neutral","sentiment_score":-0.04287456922179115,"num_words":138,"start":1151.1799,"end":1199.135},{"sentences":[{"text":"The other side of it is if you then sell the property down the track, because it's a brand new deal, you get to choose between the 50% discount we used to have access to versus the 30% new rule that they have at the moment.","start":1199.69,"end":1214.17,"sentiment":"neutral","sentiment_score":-0.011931322778210691},{"text":"So the accountant can work out which way actually provides them the better tax advantage when you do go to sell it.","start":1214.17,"end":1220.655,"sentiment":"neutral","sentiment_score":0.17337672429328616},{"text":"So that's something we don't have on new on existing properties.","start":1220.655,"end":1224.915,"sentiment":"neutral","sentiment_score":-0.1809378205375238},{"text":"As investors, if we buy an existing property, when we go to sell it, we can only use the 30% CGT rule.","start":1224.975,"end":1232.24,"sentiment":"neutral","sentiment_score":-0.06593630479818041},{"text":"And that sometimes provides a higher capital gain than the 50% discount would essentially.","start":1232.24,"end":1238.18,"sentiment":"neutral","sentiment_score":-0.04238287865051201}],"sentiment":"neutral","sentiment_score":-0.006685460399350395,"num_words":115,"start":1199.69,"end":1238.18},{"sentences":[{"text":"Yeah.","start":1242.0801,"end":1242.5801,"sentiment":"neutral","sentiment_score":0.029980964958667755},{"text":"Yeah.","start":1244.625,"end":1245.125,"sentiment":"neutral","sentiment_score":0.04631974548101425},{"text":"Look.","start":1245.185,"end":1245.425,"sentiment":"neutral","sentiment_score":0.020887594670057297},{"text":"Honestly, I would be if it was me, I would absolutely well, this is a general advice because it's it's I haven't sort of taken your goals or anything.","start":1245.425,"end":1253.525,"sentiment":"neutral","sentiment_score":-0.08589349121882997},{"text":"But if it was me, I would be looking to look at a brand new build.","start":1253.665,"end":1257.265,"sentiment":"neutral","sentiment_score":-0.09029444772750139}],"sentiment":"neutral","sentiment_score":-0.07996737716409068,"num_words":48,"start":1242.0801,"end":1257.265},{"sentences":[{"text":"That way, I have more tax advantages.","start":1257.265,"end":1259.205,"sentiment":"neutral","sentiment_score":0.1266592549426215},{"text":"That way, I have the option of the 30% capital or the 50% discount method down the track.","start":1259.585,"end":1266.54,"sentiment":"neutral","sentiment_score":0.019071966409683228},{"text":"I would be looking to, as a high income earner, if possible, negatively gain a property.","start":1267.16,"end":1271.98,"sentiment":"negative","sentiment_score":-0.4285326674580574},{"text":"So I make sure my my what coming in income wise is less than what's going out to help kinda minimize tax and making sure that you can, you know, also get the accountant to do up a depreciation schedule for you so you can claim as much as you possibly can as well because, you know, you're in peak earning capacity, and a new build is by no means a bad thing.","start":1272.04,"end":1295.93,"sentiment":"neutral","sentiment_score":0.12097899706345307},{"text":"And, realistically, if you're gonna buy a preexisting home, as I said before, you're probably gonna send send just as much.","start":1295.93,"end":1301.715,"sentiment":"neutral","sentiment_score":0.07221694130982671}],"sentiment":"neutral","sentiment_score":0.03497340780579382,"num_words":135,"start":1257.265,"end":1301.715},{"sentences":[{"text":"So you may as well, you know, give yourselves the best advantage you can and look at building a property and getting, you know, the most you can out of it.","start":1301.7949,"end":1310.5349,"sentiment":"neutral","sentiment_score":0.1432981188258817},{"text":"Yeah.","start":1321.25,"end":1321.75,"sentiment":"neutral","sentiment_score":0.07721410691738129},{"text":"Mhmm.","start":1324.9299,"end":1325.09,"sentiment":"neutral","sentiment_score":0.03255448490381241},{"text":"Crazy.","start":1325.09,"end":1325.59,"sentiment":"neutral","sentiment_score":0.06852632761001587},{"text":"Yes.","start":1326.77,"end":1327.27,"sentiment":"neutral","sentiment_score":0.12997004389762878}],"sentiment":"neutral","sentiment_score":0.13572876134089062,"num_words":35,"start":1301.7949,"end":1327.27},{"sentences":[{"text":"Definitely.","start":1327.65,"end":1328.15,"sentiment":"neutral","sentiment_score":0.1395702362060547},{"text":"Yep.","start":1333.3949,"end":1333.875,"sentiment":"neutral","sentiment_score":0.16624832153320312},{"text":"That's all good.","start":1333.875,"end":1334.9349,"sentiment":"positive","sentiment_score":0.33539817730585736},{"text":"Yeah.","start":1335.3949,"end":1335.8949,"sentiment":"neutral","sentiment_score":0.08761531114578247},{"text":"That's okay.","start":1340.355,"end":1341.095,"sentiment":"neutral","sentiment_score":0.1626002937555313}],"sentiment":"neutral","sentiment_score":0.21560362353920937,"num_words":8,"start":1327.65,"end":1341.095},{"sentences":[{"text":"That's all good.","start":1341.875,"end":1342.7549,"sentiment":"positive","sentiment_score":0.512455145517985},{"text":"Have I is has anything kinda come up further that you need to clarify a bit more?","start":1342.7549,"end":1347.65,"sentiment":"neutral","sentiment_score":0.04052457377752837},{"text":"Like, you're welcome to email me.","start":1347.65,"end":1349.4099,"sentiment":"neutral","sentiment_score":0.10823780732850234},{"text":"If anything else comes up, it's not a problem at all.","start":1349.4099,"end":1351.73,"sentiment":"neutral","sentiment_score":0.10395342111587524},{"text":"But have I kind of given you a bit of clarity in sort of what you were after and answered those questions that you as much as the SMSF one is hard hard to answer right now.","start":1351.73,"end":1361.245,"sentiment":"neutral","sentiment_score":0.0005998749890037485}],"sentiment":"neutral","sentiment_score":0.05461341948122592,"num_words":74,"start":1341.875,"end":1361.245},{"sentences":[{"text":"Sorry.","start":1361.245,"end":1361.745,"sentiment":"neutral","sentiment_score":-0.053975366055965424},{"text":"Yes.","start":1365.245,"end":1365.745,"sentiment":"neutral","sentiment_score":0.10919977724552156},{"text":"Yes.","start":1367.725,"end":1368.225,"sentiment":"neutral","sentiment_score":0.265470027923584},{"text":"Yes.","start":1371.005,"end":1371.505,"sentiment":"neutral","sentiment_score":0.12037218362092972},{"text":"Yes.","start":1372.285,"end":1372.785,"sentiment":"neutral","sentiment_score":-0.02731192484498024}],"sentiment":"neutral","sentiment_score":0.08275093957781791,"num_words":5,"start":1361.245,"end":1372.785},{"sentences":[{"text":"Yeah.","start":1373.12,"end":1373.62,"sentiment":"neutral","sentiment_score":0.010818636044859886},{"text":"Yeah.","start":1377.4401,"end":1377.76,"sentiment":"neutral","sentiment_score":0.13078497350215912},{"text":"Absolutely.","start":1377.76,"end":1378.26,"sentiment":"neutral","sentiment_score":0.283779501914978},{"text":"Give me a call.","start":1378.4801,"end":1379.04,"sentiment":"neutral","sentiment_score":0.21699603274464607},{"text":"Shoot me an email.","start":1379.04,"end":1379.92,"sentiment":"neutral","sentiment_score":0.11636072397232056}],"sentiment":"neutral","sentiment_score":0.15989183075726032,"num_words":11,"start":1373.12,"end":1379.92},{"sentences":[{"text":"Not a problem at all.","start":1379.92,"end":1380.7201,"sentiment":"positive","sentiment_score":0.36048462986946106},{"text":"I'll do everything I can to help.","start":1380.7201,"end":1382.24,"sentiment":"positive","sentiment_score":0.471102774143219},{"text":"Easy.","start":1382.24,"end":1382.64,"sentiment":"positive","sentiment_score":0.5721606612205505},{"text":"And, yeah, it's a mortgage broker says, you know, depending on what he says, we'll kind of help you to make up make up your decision on what you're gonna do with the SMS as profit as well.","start":1382.64,"end":1392.325,"sentiment":"neutral","sentiment_score":0.251490461591043},{"text":"So yeah.","start":1392.325,"end":1393.625,"sentiment":"neutral","sentiment_score":0.15233729034662247}],"sentiment":"neutral","sentiment_score":0.2930870820891182,"num_words":53,"start":1379.92,"end":1393.625},{"sentences":[{"text":"Okay.","start":1393.9249,"end":1394.4249,"sentiment":"neutral","sentiment_score":0.2593657672405243},{"text":"All good.","start":1396.043,"end":1396.783,"sentiment":"positive","sentiment_score":0.7944883406162262},{"text":"No worries at all, Laurie.","start":1398.2029,"end":1399.403,"sentiment":"positive","sentiment_score":0.6004086971282959},{"text":"You guys have a good day.","start":1399.403,"end":1400.7029,"sentiment":"positive","sentiment_score":0.771072139342626},{"text":"Thanks.","start":1403.163,"end":1403.643,"sentiment":"positive","sentiment_score":0.7028708457946777}],"sentiment":"positive","sentiment_score":0.6786459743976593,"num_words":15,"start":1393.9249,"end":1403.643},{"sentences":[{"text":"See you later.","start":1403.643,"end":1404.4429,"sentiment":"positive","sentiment_score":0.5697785417238871},{"text":"Bye.","start":1404.4429,"end":1404.9429,"sentiment":"neutral","sentiment_score":0.30742985010147095}],"sentiment":"positive","sentiment_score":0.5041913688182831,"num_words":4,"start":1403.643,"end":1404.9429}]}}]},{"alternatives":[{"transcript":"Hello. Laura speaking. I'm good, Dana. How are you? Yeah. So we've got two separate questions. The first one, I'll go the easier well, I don't know if they're easy questions. But anyway, the one to do with Superfast, I don't know if you remember me telling you that with our soup oh, well, sorry. It was actually Chris's paper. We had purchased we've set up a self managed super fund and had purchased a unit in Melbourne. That unit didn't end up going ahead, and it's in the court because it's something to do with the railway line. And it's just not getting built, and it's a bit of a disaster. The company that we went through, like, the how would you call that company? The advisers, I suppose. Yeah. Sorry? They have contacted they've contacted us yesterday and said that it doesn't sound like it'll be going out of the course anytime soon and that they are advising the other people who have put deposits down that they could go with another property because we eventually would get our deposit back for this one. But we under what to so either wait for the sunset clause or someone else would buy the property off of us. You know, the yeah. They would buy the property, and we would get the deposit back that way. The only thing is they've sent through other options, the other units available. And at the moment, they just don't they don't look as good as this one, and it would mean that we'd be forking out more money out of our super to then build a unit and who knows how many years it'll take to get that other, deposit back. And we just don't know whether it's a good idea to just wait and see what happens with the original unit. Chris, do you wanna sit closer so you're not whispering, and I have to not try repeat? There's there's the changes there's the changes that the government's bringing in about borrowing in self managed super. So if this current unit doesn't go ahead and get canned by the time we find that out, that we're gonna be past the date that these changes will be made, and then we won't be able to borrow, like, from the bank to get the unit built, and we'd have to, yeah, have all the funds sitting in our super to be able to buy the unit. So we miss out on that opportunity as well. Where? Oh, they're they're sending through these options as of yesterday. So I'm under the impression that it would be able to get signed and done before that date. They hadn't even actually told us that date. So they never mentioned anything about it. They just said, oh, this is what we're telling all our other clients. Are you interested? And they pretty much just said speak to your broker and see if you can afford it. So this is our first time hearing it. All he said was that we have enough money to be able to do it. So, again, he didn't make any comment about this cutoff date. Yeah. Yeah. Yes. That's alright. Yes. So so how does that work for our current one? Like, at the moment Yeah. So we paid a deposit. We've signed the contract, and they told us as long as you've got a signed contract in place, that that's what you need. There's nothing about everything had to be settled and done and after by the tenth as long as you had a signed contract that that was already in place before the changes, that that was the requirement. Oh, for the I'm assuming for the original one, that would have been all approved and everything. Because the only thing for the original one, what has happened is that the build had started, and then the build got stopped because of the issue with the railway line underneath it. But, like, again, that was, like, two years ago or something, so hence why we can't really remember because it was so long ago, and we've just been waiting for an answer ever since. Yeah. So I've got I I don't know. I can't remember. But I suppose So we yeah. We had we had to change over to Macquarie. They drew down our original full deposit, which we had to like, sorry, our deposit, but we ended up having to roll some back into super because the unit wasn't ready at that stage. So the the company that did our self managed super fund drew too much down. So then we ended up so I think all that part of it was good. But, yeah, obviously, nothing's been nothing's happened since, and we've just got our deposit being held up for two years now. Yeah. So it's sitting in a trust fund somewhere. Yeah. Yeah. So we don't have it, which is the worst part. Yep. Okay. So I suppose, yeah, we'll speak to that broker and then go for there for that one. Okay. That's a little make a quick decision on that one. No. That's alright. Yeah. No. All good. So on our next one, we you know how I spoke to you not that long ago and said that go show accountants had said that because we're at the six year mark for one of our properties, if we do we're to sell it now, we don't have to pay. So we've got that one up for sale. We found a block of land that we like the look of. It's half an acre, which is around the $600,000 mark, and then we've been getting quotes to build a property on it, and it's going it's it's very expensive. So it's about probably 500 for that. So it's gonna be a 1.1. Driveways, gardens, landscaping. We've gotta put static in. So it's $23 or something now. So it's probably gonna be 1.15 to, yeah, 1.2 maybe. Yeah. So quite expensive. And then we've got a rental appraisal that was about 700 to $7.50. And we just don't know what exactly is that correct question, Chris, if this is a good idea. Well, yeah, basically. It's so in our eyes, it's a 2,005 current house that we've got. There's nothing special about it. We don't think that it's an area that's gonna burn much more than what it has. Got a lot of houses around it. It's only a 700 square meter block. It's no real wow factor. It's had a fairly big increase from when we bought it, so I think, like, potentially most of its heavy lifting's already happened. But we already got that one off. I also know. Yeah. So we advertised it. And then is like a an area that is, you know, becoming more popular. And this block's walking distance to the beach, and it's 2,000 square meters. So it's half an acre block walking distance to the beach, which is probably appealing. It is yeah. It is just gonna be expensive, but obviously with with our other property sold, say we get 800,000, the loan to like, the the home loan ratio is gonna be pretty low. So we wouldn't be we wouldn't be repaying 1,200,000. We'd be, like, 350,000 or something. I think is that a question, though, is it is it too much to be spending for a rental property? I think. Is that sort of what we wanted to know, Chris? Like, we're gonna be outlying like, it is gonna be quite expensive, and then would you get capital gains from that? Or, you know, the current property that we're selling is currently $600 a week rent. And to be spending this much money to build a new one, you're only getting possibly a 100 to a $150 more? Yeah. Yep. Yep. Yep. Yep. That was something we did sorry. I just that was that was another consideration that we did have getting rid of the older property because of the dangers. And then, yeah, we would be able to find this as a as the new build with the tax deduction. But there's also a limit, isn't it, they're not on two properties? Yeah. Yep. Okay. That's good. So that was yeah. It was another one of our considerations of getting rid of that other one, but I was hoping to probably do the changeover with about a couple of 100,000, not 350. Yep. Okay. Yes. Oh, yeah. Please giving us a go ahead. Mhmm. Yep. Yeah. I do agree with what you said because I did look up a house today that my parents used to own, and it is now sitting at the $1,000,000 mark. And I was like, what? So, yeah, what you're saying is correct. Yeah. It is crazy. Do you have any other questions, Chris? I think that pretty much answered what I was thinking. Yeah. I was just Yeah. Yeah. No. No question? No. I don't think so. That was the main questions. Yeah. Yeah. Cool. Alright. Awesome. Yeah. That no. That's probably fine. I'll get in contact with the broker as soon as I get off the phone to you. And, yeah, I think that's definitely helped with the new build decision for there. So yeah. No. I can't think of anything. But if we do think of anything, I'll definitely shoot you an email. Awesome. Yep. Yeah. Cool. Alright. Awesome. Thank you so much for your help. We so appreciate it. You too. Thanks, Anna. 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Laura speaking. I'm good, Dana. How are you? Yeah.\n\nSo we've got two separate questions. The first one, I'll go the easier well, I don't know if they're easy questions. But anyway, the one to do with Superfast, I don't know if you remember me telling you that with our soup oh, well, sorry. It was actually Chris's paper. We had purchased we've set up a self managed super fund and had purchased a unit in Melbourne.\n\nThat unit didn't end up going ahead, and it's in the court because it's something to do with the railway line. And it's just not getting built, and it's a bit of a disaster. The company that we went through, like, the how would you call that company? The advisers, I suppose. Yeah.\n\nSorry? They have contacted they've contacted us yesterday and said that it doesn't sound like it'll be going out of the course anytime soon and that they are advising the other people who have put deposits down that they could go with another property because we eventually would get our deposit back for this one. But we under what to so either wait for the sunset clause or someone else would buy the property off of us. You know, the yeah. They would buy the property, and we would get the deposit back that way.\n\nThe only thing is they've sent through other options, the other units available. And at the moment, they just don't they don't look as good as this one, and it would mean that we'd be forking out more money out of our super to then build a unit and who knows how many years it'll take to get that other, deposit back. And we just don't know whether it's a good idea to just wait and see what happens with the original unit. Chris, do you wanna sit closer so you're not whispering, and I have to not try repeat? There's there's the changes there's the changes that the government's bringing in about borrowing in self managed super.\n\nSo if this current unit doesn't go ahead and get canned by the time we find that out, that we're gonna be past the date that these changes will be made, and then we won't be able to borrow, like, from the bank to get the unit built, and we'd have to, yeah, have all the funds sitting in our super to be able to buy the unit. So we miss out on that opportunity as well. Where? Oh, they're they're sending through these options as of yesterday. So I'm under the impression that it would be able to get signed and done before that date.\n\nThey hadn't even actually told us that date. So they never mentioned anything about it. They just said, oh, this is what we're telling all our other clients. Are you interested? And they pretty much just said speak to your broker and see if you can afford it.\n\nSo this is our first time hearing it. All he said was that we have enough money to be able to do it. So, again, he didn't make any comment about this cutoff date. Yeah. Yeah.\n\nYes. That's alright. Yes. So so how does that work for our current one? Like, at the moment Yeah.\n\nSo we paid a deposit. We've signed the contract, and they told us as long as you've got a signed contract in place, that that's what you need. There's nothing about everything had to be settled and done and after by the tenth as long as you had a signed contract that that was already in place before the changes, that that was the requirement. Oh, for the I'm assuming for the original one, that would have been all approved and everything. Because the only thing for the original one, what has happened is that the build had started, and then the build got stopped because of the issue with the railway line underneath it.\n\nBut, like, again, that was, like, two years ago or something, so hence why we can't really remember because it was so long ago, and we've just been waiting for an answer ever since. Yeah. So I've got I I don't know. I can't remember. But I suppose So we yeah.\n\nWe had we had to change over to Macquarie. They drew down our original full deposit, which we had to like, sorry, our deposit, but we ended up having to roll some back into super because the unit wasn't ready at that stage. So the the company that did our self managed super fund drew too much down. So then we ended up so I think all that part of it was good. But, yeah, obviously, nothing's been nothing's happened since, and we've just got our deposit being held up for two years now.\n\nYeah. So it's sitting in a trust fund somewhere. Yeah. Yeah. So we don't have it, which is the worst part.\n\nYep. Okay. So I suppose, yeah, we'll speak to that broker and then go for there for that one. Okay. That's a little make a quick decision on that one.\n\nNo. That's alright. Yeah. No. All good.\n\nSo on our next one, we you know how I spoke to you not that long ago and said that go show accountants had said that because we're at the six year mark for one of our properties, if we do we're to sell it now, we don't have to pay. So we've got that one up for sale. We found a block of land that we like the look of. It's half an acre, which is around the $600,000 mark, and then we've been getting quotes to build a property on it, and it's going it's it's very expensive. So it's about probably 500 for that.\n\nSo it's gonna be a 1.1. Driveways, gardens, landscaping. We've gotta put static in. So it's $23 or something now. So it's probably gonna be 1.15 to, yeah, 1.2 maybe.\n\nYeah. So quite expensive. And then we've got a rental appraisal that was about 700 to $7.50. And we just don't know what exactly is that correct question, Chris, if this is a good idea. Well, yeah, basically.\n\nIt's so in our eyes, it's a 2,005 current house that we've got. There's nothing special about it. We don't think that it's an area that's gonna burn much more than what it has. Got a lot of houses around it. It's only a 700 square meter block.\n\nIt's no real wow factor. It's had a fairly big increase from when we bought it, so I think, like, potentially most of its heavy lifting's already happened. But we already got that one off. I also know. Yeah.\n\nSo we advertised it. And then is like a an area that is, you know, becoming more popular. And this block's walking distance to the beach, and it's 2,000 square meters. So it's half an acre block walking distance to the beach, which is probably appealing. It is yeah.\n\nIt is just gonna be expensive, but obviously with with our other property sold, say we get 800,000, the loan to like, the the home loan ratio is gonna be pretty low. So we wouldn't be we wouldn't be repaying 1,200,000. We'd be, like, 350,000 or something. I think is that a question, though, is it is it too much to be spending for a rental property? I think.\n\nIs that sort of what we wanted to know, Chris? Like, we're gonna be outlying like, it is gonna be quite expensive, and then would you get capital gains from that? Or, you know, the current property that we're selling is currently $600 a week rent. And to be spending this much money to build a new one, you're only getting possibly a 100 to a $150 more? Yeah.\n\nYep. Yep. Yep. Yep. That was something we did sorry.\n\nI just that was that was another consideration that we did have getting rid of the older property because of the dangers. And then, yeah, we would be able to find this as a as the new build with the tax deduction. But there's also a limit, isn't it, they're not on two properties? Yeah. Yep.\n\nOkay. That's good. So that was yeah. It was another one of our considerations of getting rid of that other one, but I was hoping to probably do the changeover with about a couple of 100,000, not 350. Yep.\n\nOkay. Yes. Oh, yeah. Please giving us a go ahead. Mhmm.\n\nYep. Yeah. I do agree with what you said because I did look up a house today that my parents used to own, and it is now sitting at the $1,000,000 mark. And I was like, what? So, yeah, what you're saying is correct.\n\nYeah. It is crazy. Do you have any other questions, Chris? I think that pretty much answered what I was thinking. Yeah.\n\nI was just Yeah. Yeah. No. No question? No.\n\nI don't think so. That was the main questions. Yeah. Yeah. Cool.\n\nAlright. Awesome. Yeah. That no. That's probably fine.\n\nI'll get in contact with the broker as soon as I get off the phone to you. And, yeah, I think that's definitely helped with the new build decision for there. So yeah. No. I can't think of anything.\n\nBut if we do think of anything, I'll definitely shoot you an email. Awesome. Yep. Yeah. Cool.\n\nAlright. Awesome. Thank you so much for your help. We so appreciate it. You too.\n\nThanks, Anna. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.79999995,"end":1.12,"sentiment":"neutral","sentiment_score":0.01843295246362686},{"text":"Laura speaking.","start":1.12,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.015177248045802116},{"text":"I'm good, Dana.","start":6.16,"end":6.96,"sentiment":"positive","sentiment_score":0.5151142875353495},{"text":"How are you?","start":6.96,"end":7.7,"sentiment":"positive","sentiment_score":0.3444903294245402},{"text":"Yeah.","start":16.055,"end":16.375,"sentiment":"neutral","sentiment_score":0.005171547643840313}],"sentiment":"neutral","sentiment_score":0.26327728470787404,"num_words":10,"start":0.79999995,"end":16.375},{"sentences":[{"text":"So we've got two separate questions.","start":16.375,"end":18.635,"sentiment":"neutral","sentiment_score":-0.00917664992933472},{"text":"The first one, I'll go the easier well, I don't know if they're easy 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Yeah.","start":535.925,"end":537.925,"sentiment":"neutral","sentiment_score":0.020695138536393643}],"sentiment":"neutral","sentiment_score":0.08502311078145315,"num_words":19,"start":470.81,"end":537.925},{"sentences":[{"text":"So we paid a deposit.","start":537.925,"end":539.045,"sentiment":"neutral","sentiment_score":0.07715560793876648},{"text":"We've signed the contract, and they told us as long as you've got a signed contract in place, that that's what you need.","start":539.045,"end":545.66,"sentiment":"neutral","sentiment_score":0.0458251477583595},{"text":"There's nothing about everything had to be settled and done and after by the tenth as long as you had a signed contract that that was already in place before the changes, that that was the requirement.","start":545.66,"end":557.245,"sentiment":"neutral","sentiment_score":-0.07235127272134698},{"text":"Oh, for the I'm assuming for the original one, that would have been all approved and everything.","start":594.71,"end":599.43,"sentiment":"neutral","sentiment_score":0.16539370487718022},{"text":"Because the only thing for the original one, what has happened is that the build had started, and then the build got stopped because of the issue with the railway line underneath it.","start":599.43,"end":609.345,"sentiment":"neutral","sentiment_score":-0.041674481140393196}],"sentiment":"neutral","sentiment_score":0.001732125675872616,"num_words":115,"start":537.925,"end":609.345},{"sentences":[{"text":"But, like, again, that was, like, two years ago or something, so hence why we can't really remember because it was so long ago, and we've just been waiting for an answer ever since.","start":610.625,"end":619.045,"sentiment":"neutral","sentiment_score":-0.16868237460799076},{"text":"Yeah.","start":621.745,"end":622.14496,"sentiment":"neutral","sentiment_score":-0.025177398696541783},{"text":"So I've got I I don't know.","start":622.14496,"end":623.58496,"sentiment":"neutral","sentiment_score":-0.09244222193956375},{"text":"I can't remember.","start":623.58496,"end":624.40497,"sentiment":"neutral","sentiment_score":-0.12556609511375427},{"text":"But I suppose So we yeah.","start":624.77,"end":626.21,"sentiment":"neutral","sentiment_score":-0.05534682422876358}],"sentiment":"neutral","sentiment_score":-0.13953437097370625,"num_words":51,"start":610.625,"end":626.21},{"sentences":[{"text":"We had we had to change over to Macquarie.","start":626.21,"end":630.47003,"sentiment":"neutral","sentiment_score":-0.09119897128807174},{"text":"They drew down our original full deposit, which we had to like, sorry, our deposit, but we ended up having to roll some back into super because the unit wasn't ready at that stage.","start":631.01,"end":643.40497,"sentiment":"neutral","sentiment_score":-0.26314420603653965},{"text":"So the the company that did our self managed super fund drew too much down.","start":643.40497,"end":647.885,"sentiment":"neutral","sentiment_score":-0.2835396409034729},{"text":"So then we ended up so I think all that part of it was good.","start":647.885,"end":652.27,"sentiment":"neutral","sentiment_score":0.2048043022553126},{"text":"But, yeah, obviously, nothing's been nothing's happened since, and we've just got our deposit being held up for two years now.","start":653.61,"end":660.02997,"sentiment":"neutral","sentiment_score":-0.19632052701143993}],"sentiment":"neutral","sentiment_score":-0.16033462652976208,"num_words":94,"start":626.21,"end":660.02997},{"sentences":[{"text":"Yeah.","start":669.865,"end":670.185,"sentiment":"neutral","sentiment_score":-0.02793089486658573},{"text":"So it's sitting in a trust fund somewhere.","start":670.185,"end":672.765,"sentiment":"neutral","sentiment_score":-0.04535427736118436},{"text":"Yeah.","start":672.825,"end":673.325,"sentiment":"neutral","sentiment_score":-0.010169604793190956},{"text":"Yeah.","start":675.945,"end":676.34503,"sentiment":"neutral","sentiment_score":-0.044850707054138184},{"text":"So we don't have it, which is the worst part.","start":676.34503,"end":682.25,"sentiment":"neutral","sentiment_score":-0.15784296914935111}],"sentiment":"neutral","sentiment_score":-0.09639119605223338,"num_words":21,"start":669.865,"end":682.25},{"sentences":[{"text":"Yep.","start":737.48004,"end":737.98004,"sentiment":"neutral","sentiment_score":-0.004492859356105328},{"text":"Okay.","start":738.365,"end":738.52496,"sentiment":"neutral","sentiment_score":0.0032136663794517517},{"text":"So I suppose, yeah, we'll speak to that broker and then go for there for that one.","start":738.52496,"end":742.865,"sentiment":"neutral","sentiment_score":0.0262645891703227},{"text":"Okay.","start":744.44495,"end":744.76495,"sentiment":"neutral","sentiment_score":0.014272112399339676},{"text":"That's a little make a quick decision on that one.","start":744.76495,"end":747.805,"sentiment":"neutral","sentiment_score":0.005139104835689068}],"sentiment":"neutral","sentiment_score":0.017029399455835422,"num_words":30,"start":737.48004,"end":747.805},{"sentences":[{"text":"No.","start":747.805,"end":747.96497,"sentiment":"neutral","sentiment_score":-0.0854007825255394},{"text":"That's alright.","start":747.96497,"end":748.785,"sentiment":"neutral","sentiment_score":-0.014292024075984958},{"text":"Yeah.","start":749.64496,"end":749.96497,"sentiment":"neutral","sentiment_score":0.02587998658418655},{"text":"No.","start":749.96497,"end":750.285,"sentiment":"neutral","sentiment_score":-0.0016783922910690308},{"text":"All good.","start":750.285,"end":750.93,"sentiment":"neutral","sentiment_score":0.14347342774271965}],"sentiment":"neutral","sentiment_score":0.028166231300149645,"num_words":7,"start":747.805,"end":750.93},{"sentences":[{"text":"So on our next one, we you know how I spoke to you not that long ago and said that go show accountants had said that because we're at the six year mark for one of our properties, if we do we're to sell it now, we don't have to pay.","start":751.81,"end":766.205,"sentiment":"neutral","sentiment_score":0.018131493476639483},{"text":"So we've got that one up for sale.","start":766.205,"end":768.065,"sentiment":"neutral","sentiment_score":0.13040840905159712},{"text":"We found a block of land that we like the look of.","start":769.565,"end":773.985,"sentiment":"neutral","sentiment_score":0.273892804980278},{"text":"It's half an acre, which is around the $600,000 mark, and then we've been getting quotes to build a property on it, and it's going it's it's very expensive.","start":774.365,"end":784.01,"sentiment":"neutral","sentiment_score":0.03599735760483248},{"text":"So it's about probably 500 for that.","start":784.23004,"end":787.59,"sentiment":"neutral","sentiment_score":-0.041631534695625305}],"sentiment":"neutral","sentiment_score":0.056141960066873754,"num_words":107,"start":751.81,"end":787.59},{"sentences":[{"text":"So it's gonna be a 1.1.","start":787.59,"end":789.37006,"sentiment":"neutral","sentiment_score":-0.0008833508666915199},{"text":"Driveways, gardens, landscaping.","start":790.965,"end":792.66504,"sentiment":"neutral","sentiment_score":0.011888772870103518},{"text":"We've gotta put static in.","start":792.885,"end":794.325,"sentiment":"neutral","sentiment_score":-0.016477333009243013},{"text":"So it's $23 or something now.","start":794.325,"end":796.085,"sentiment":"neutral","sentiment_score":-0.024527259171009064},{"text":"So it's probably gonna be 1.15 to, yeah, 1.2 maybe.","start":796.085,"end":802.47,"sentiment":"neutral","sentiment_score":-0.03307192027568817}],"sentiment":"neutral","sentiment_score":-0.017663440313966324,"num_words":30,"start":787.59,"end":802.47},{"sentences":[{"text":"Yeah.","start":802.70996,"end":802.94995,"sentiment":"neutral","sentiment_score":-0.11478599160909651},{"text":"So quite expensive.","start":802.94995,"end":803.99,"sentiment":"neutral","sentiment_score":-0.23594994843006134},{"text":"And then we've got a rental appraisal that was about 700 to $7.50.","start":803.99,"end":810.08997,"sentiment":"neutral","sentiment_score":-0.08420814029299296},{"text":"And we just don't know what exactly is that correct question, Chris, if this is a good idea.","start":810.31,"end":815.44995,"sentiment":"neutral","sentiment_score":-0.08780110047923194},{"text":"Well, yeah, basically.","start":815.58997,"end":817.68994,"sentiment":"neutral","sentiment_score":-0.014656671633323034}],"sentiment":"neutral","sentiment_score":-0.09320346011142981,"num_words":38,"start":802.70996,"end":817.68994},{"sentences":[{"text":"It's so in our eyes, it's a 2,005 current house that we've got.","start":817.91,"end":823.905,"sentiment":"neutral","sentiment_score":0.05301683596693552},{"text":"There's nothing special about it.","start":825.165,"end":826.605,"sentiment":"negative","sentiment_score":-0.45564157962799073},{"text":"We don't think that it's an area that's gonna burn much more than what it has.","start":826.605,"end":830.49,"sentiment":"negative","sentiment_score":-0.5634657852351665},{"text":"Got a lot of houses around it.","start":830.97,"end":832.75,"sentiment":"neutral","sentiment_score":-0.047164978592523506},{"text":"It's only a 700 square meter block.","start":833.52997,"end":835.87,"sentiment":"neutral","sentiment_score":0.019564531577218856}],"sentiment":"neutral","sentiment_score":-0.22495093173832478,"num_words":48,"start":817.91,"end":835.87},{"sentences":[{"text":"It's no real wow factor.","start":837.77,"end":839.31,"sentiment":"neutral","sentiment_score":0.06437425911426545},{"text":"It's had a fairly big increase from when we bought it, so I think, like, potentially most of its heavy lifting's already happened.","start":840.08997,"end":848.265,"sentiment":"neutral","sentiment_score":0.214156042298545},{"text":"But we already got that one off.","start":848.405,"end":849.845,"sentiment":"neutral","sentiment_score":0.06725864325250898},{"text":"I also know.","start":849.845,"end":850.645,"sentiment":"neutral","sentiment_score":0.09489025920629501},{"text":"Yeah.","start":850.645,"end":850.885,"sentiment":"neutral","sentiment_score":0.14330178499221802}],"sentiment":"neutral","sentiment_score":0.1575959829183725,"num_words":39,"start":837.77,"end":850.885},{"sentences":[{"text":"So we advertised it.","start":850.885,"end":852.005,"sentiment":"neutral","sentiment_score":0.22508564218878746},{"text":"And then is like a an area that is, you know, becoming more popular.","start":852.005,"end":860.31,"sentiment":"neutral","sentiment_score":0.3114721274801663},{"text":"And this block's walking distance to the beach, and it's 2,000 square meters.","start":861.25,"end":865.57,"sentiment":"neutral","sentiment_score":0.3023024510878783},{"text":"So it's half an acre block walking distance to the beach, which is probably appealing.","start":865.57,"end":869.75,"sentiment":"positive","sentiment_score":0.36786468227704366},{"text":"It is yeah.","start":871.455,"end":872.815,"sentiment":"neutral","sentiment_score":0.009858053177595139}],"sentiment":"neutral","sentiment_score":0.3007842573736395,"num_words":49,"start":850.885,"end":872.815},{"sentences":[{"text":"It is just gonna be expensive, but obviously with with our other property sold, say we get 800,000, the loan to like, the the home loan ratio is gonna be pretty low.","start":872.815,"end":885.315,"sentiment":"neutral","sentiment_score":-0.11314595956355333},{"text":"So we wouldn't be we wouldn't be repaying 1,200,000.","start":886.47,"end":889.35,"sentiment":"neutral","sentiment_score":-0.18503793246216244},{"text":"We'd be, like, 350,000 or something.","start":889.35,"end":891.99,"sentiment":"neutral","sentiment_score":-0.06833220024903615},{"text":"I think is that a question, though, is it is it too much to be spending for a rental property?","start":891.99,"end":899.29,"sentiment":"neutral","sentiment_score":-0.21842299662530423},{"text":"I think.","start":899.35,"end":899.67,"sentiment":"neutral","sentiment_score":-0.2351793646812439}],"sentiment":"neutral","sentiment_score":-0.15267860813849216,"num_words":69,"start":872.815,"end":899.67},{"sentences":[{"text":"Is that sort of what we wanted to know, Chris?","start":899.67,"end":901.43,"sentiment":"neutral","sentiment_score":-0.1787576876580715},{"text":"Like, we're gonna be outlying like, it is gonna be quite expensive, and then would you get capital gains from that?","start":901.43,"end":906.785,"sentiment":"neutral","sentiment_score":-0.17269720633824667},{"text":"Or, you know, the current property that we're selling is currently $600 a week rent.","start":906.785,"end":911.76495,"sentiment":"neutral","sentiment_score":-0.165293221672376},{"text":"And to be spending this much money to build a new one, you're only getting possibly a 100 to a $150 more?","start":911.90497,"end":918.54,"sentiment":"neutral","sentiment_score":-0.24066360464150255},{"text":"Yeah.","start":951.19,"end":951.69,"sentiment":"neutral","sentiment_score":0.25240597128868103}],"sentiment":"neutral","sentiment_score":-0.18747550529846246,"num_words":69,"start":899.67,"end":951.69},{"sentences":[{"text":"Yep.","start":959.995,"end":960.475,"sentiment":"neutral","sentiment_score":0.31813547015190125},{"text":"Yep.","start":960.475,"end":960.975,"sentiment":"neutral","sentiment_score":0.25262242555618286},{"text":"Yep.","start":1030.14,"end":1030.275,"sentiment":"neutral","sentiment_score":-0.005753971636295319},{"text":"Yep.","start":1031.155,"end":1031.395,"sentiment":"neutral","sentiment_score":-0.03376195952296257},{"text":"That was something we did sorry.","start":1031.395,"end":1034.4551,"sentiment":"neutral","sentiment_score":-0.26118478427330655}],"sentiment":"neutral","sentiment_score":-0.1035866741091013,"num_words":10,"start":959.995,"end":1034.4551},{"sentences":[{"text":"I just that was that was another consideration that we did have getting rid of the older property because of the dangers.","start":1034.595,"end":1041.0751,"sentiment":"neutral","sentiment_score":-0.24711882119829004},{"text":"And then, yeah, we would be able to find this as a as the new build with the tax deduction.","start":1041.0751,"end":1046.9199,"sentiment":"neutral","sentiment_score":0.15980990882962942},{"text":"But there's also a limit, isn't it, they're not on two properties?","start":1046.9199,"end":1049.8999,"sentiment":"neutral","sentiment_score":-0.06992319319397211},{"text":"Yeah.","start":1061.8949,"end":1062.3949,"sentiment":"neutral","sentiment_score":0.004210438579320908},{"text":"Yep.","start":1076.07,"end":1076.57,"sentiment":"neutral","sentiment_score":0.03778953105211258}],"sentiment":"neutral","sentiment_score":-0.05424096854403615,"num_words":56,"start":1034.595,"end":1076.57},{"sentences":[{"text":"Okay.","start":1076.71,"end":1076.95,"sentiment":"neutral","sentiment_score":0.1084403246641159},{"text":"That's good.","start":1076.95,"end":1077.69,"sentiment":"neutral","sentiment_score":0.32629579305648804},{"text":"So that was yeah.","start":1079.59,"end":1080.47,"sentiment":"neutral","sentiment_score":0.09518618881702423},{"text":"It was another one of our considerations of getting rid of that other one, but I was hoping to probably do the changeover with about a couple of 100,000, not 350.","start":1080.47,"end":1091.525,"sentiment":"neutral","sentiment_score":0.00601397430704486},{"text":"Yep.","start":1113.855,"end":1114.355,"sentiment":"neutral","sentiment_score":0.08556495606899261}],"sentiment":"neutral","sentiment_score":0.03625063655468134,"num_words":39,"start":1076.71,"end":1114.355},{"sentences":[{"text":"Okay.","start":1221.27,"end":1221.77,"sentiment":"neutral","sentiment_score":-0.0330750048160553},{"text":"Yes.","start":1239.285,"end":1239.785,"sentiment":"neutral","sentiment_score":0.04369598627090454},{"text":"Oh, yeah.","start":1240.085,"end":1240.645,"sentiment":"neutral","sentiment_score":0.023333757184445858},{"text":"Please giving us a go ahead.","start":1240.645,"end":1247.22,"sentiment":"neutral","sentiment_score":0.015413732888797918},{"text":"Mhmm.","start":1302.2749,"end":1302.7749,"sentiment":"neutral","sentiment_score":0.07289375364780426}],"sentiment":"neutral","sentiment_score":0.020242240618575703,"num_words":11,"start":1221.27,"end":1302.7749},{"sentences":[{"text":"Yep.","start":1310.995,"end":1311.495,"sentiment":"neutral","sentiment_score":0.10674494504928587},{"text":"Yeah.","start":1311.5549,"end":1311.7949,"sentiment":"neutral","sentiment_score":0.14969509840011597},{"text":"I do agree with what you said because I did look up a house today that my parents used to own, and it is now sitting at the $1,000,000 mark.","start":1311.7949,"end":1320.1,"sentiment":"neutral","sentiment_score":0.10425996705889702},{"text":"And I was like, what?","start":1320.1,"end":1321.3201,"sentiment":"neutral","sentiment_score":0.01791744939982891},{"text":"So, yeah, what you're saying is correct.","start":1322.3401,"end":1325.0801,"sentiment":"neutral","sentiment_score":0.09746372061116355}],"sentiment":"neutral","sentiment_score":0.0944561896930364,"num_words":44,"start":1310.995,"end":1325.0801},{"sentences":[{"text":"Yeah.","start":1326.3401,"end":1326.5801,"sentiment":"neutral","sentiment_score":0.08876792341470718},{"text":"It is crazy.","start":1326.5801,"end":1327.4,"sentiment":"neutral","sentiment_score":0.11324160546064377},{"text":"Do you have any other questions, Chris?","start":1327.86,"end":1329.7001,"sentiment":"neutral","sentiment_score":0.06539202694381986},{"text":"I think that pretty much answered what I was thinking.","start":1329.7001,"end":1331.995,"sentiment":"neutral","sentiment_score":0.07532706782221794},{"text":"Yeah.","start":1332.775,"end":1333.095,"sentiment":"neutral","sentiment_score":0.1317061185836792}],"sentiment":"neutral","sentiment_score":0.080509714782238,"num_words":22,"start":1326.3401,"end":1333.095},{"sentences":[{"text":"I was just Yeah.","start":1333.095,"end":1335.815,"sentiment":"neutral","sentiment_score":0.14002704061567783},{"text":"Yeah.","start":1335.815,"end":1336.0549,"sentiment":"neutral","sentiment_score":0.04995669424533844},{"text":"No.","start":1336.0549,"end":1336.375,"sentiment":"neutral","sentiment_score":0.003080697730183602},{"text":"No question?","start":1336.375,"end":1337.115,"sentiment":"neutral","sentiment_score":-0.02047562226653099},{"text":"No.","start":1337.575,"end":1337.815,"sentiment":"neutral","sentiment_score":-0.0683998093008995}],"sentiment":"neutral","sentiment_score":0.05597716673380799,"num_words":9,"start":1333.095,"end":1337.815},{"sentences":[{"text":"I don't think so.","start":1337.815,"end":1338.615,"sentiment":"neutral","sentiment_score":-0.06249413639307022},{"text":"That was the main questions.","start":1338.615,"end":1339.735,"sentiment":"neutral","sentiment_score":-0.022804742120206355},{"text":"Yeah.","start":1339.735,"end":1339.975,"sentiment":"neutral","sentiment_score":0.04035604000091553},{"text":"Yeah.","start":1339.975,"end":1340.475,"sentiment":"neutral","sentiment_score":0.07161503285169601},{"text":"Cool.","start":1341.4149,"end":1341.575,"sentiment":"neutral","sentiment_score":0.29307377338409424}],"sentiment":"neutral","sentiment_score":0.0034203825052827597,"num_words":12,"start":1337.815,"end":1341.575},{"sentences":[{"text":"Alright.","start":1341.575,"end":1342.0549,"sentiment":"positive","sentiment_score":0.3436177670955658},{"text":"Awesome.","start":1342.0549,"end":1342.5549,"sentiment":"positive","sentiment_score":0.6271149516105652},{"text":"Yeah.","start":1360.295,"end":1360.795,"sentiment":"neutral","sentiment_score":-0.012864837422966955},{"text":"That no.","start":1361.895,"end":1362.615,"sentiment":"neutral","sentiment_score":-0.04688873328268528},{"text":"That's probably fine.","start":1362.615,"end":1363.495,"sentiment":"neutral","sentiment_score":0.06597221394379933}],"sentiment":"neutral","sentiment_score":0.13275088206864893,"num_words":8,"start":1341.575,"end":1363.495},{"sentences":[{"text":"I'll get in contact with the broker as soon as I get off the phone to you.","start":1363.495,"end":1366.535,"sentiment":"neutral","sentiment_score":0.10648289279026144},{"text":"And, yeah, I think that's definitely helped with the new build decision for there.","start":1366.535,"end":1371.0599,"sentiment":"neutral","sentiment_score":0.24517551703112467},{"text":"So yeah.","start":1371.12,"end":1372.0,"sentiment":"neutral","sentiment_score":0.07547878846526146},{"text":"No.","start":1372.0,"end":1372.1599,"sentiment":"neutral","sentiment_score":-0.097600556910038},{"text":"I can't think of anything.","start":1372.1599,"end":1373.12,"sentiment":"neutral","sentiment_score":-0.09397922605276107}],"sentiment":"neutral","sentiment_score":0.12374685399043255,"num_words":39,"start":1363.495,"end":1373.12},{"sentences":[{"text":"But if we do think of anything, I'll definitely shoot you an email.","start":1373.12,"end":1376.34,"sentiment":"neutral","sentiment_score":0.11312784655736043},{"text":"Awesome.","start":1382.6399,"end":1383.075,"sentiment":"positive","sentiment_score":0.7255642414093018},{"text":"Yep.","start":1391.715,"end":1392.215,"sentiment":"neutral","sentiment_score":0.11459296941757202},{"text":"Yeah.","start":1392.6749,"end":1393.1549,"sentiment":"neutral","sentiment_score":0.1410399079322815},{"text":"Cool.","start":1393.1549,"end":1393.6549,"sentiment":"positive","sentiment_score":0.39832884073257446}],"sentiment":"neutral","sentiment_score":0.16765811557278915,"num_words":17,"start":1373.12,"end":1393.6549},{"sentences":[{"text":"Alright.","start":1394.115,"end":1394.5149,"sentiment":"positive","sentiment_score":0.4517650008201599},{"text":"Awesome.","start":1394.5149,"end":1395.0029,"sentiment":"positive","sentiment_score":0.7358555197715759},{"text":"Thank you so much for your help.","start":1395.0829,"end":1395.9629,"sentiment":"positive","sentiment_score":0.8533385396003723},{"text":"We so appreciate it.","start":1395.9629,"end":1397.1029,"sentiment":"positive","sentiment_score":0.7933410853147507},{"text":"You too.","start":1400.923,"end":1401.3229,"sentiment":"positive","sentiment_score":0.5500707626342773}],"sentiment":"positive","sentiment_score":0.7622997442881266,"num_words":15,"start":1394.115,"end":1401.3229},{"sentences":[{"text":"Thanks, Anna.","start":1401.3229,"end":1402.143,"sentiment":"positive","sentiment_score":0.6701072752475739},{"text":"Bye.","start":1404.6029,"end":1405.1029,"sentiment":"neutral","sentiment_score":-0.10242399573326112}],"sentiment":"positive","sentiment_score":0.41259685158729553,"num_words":3,"start":1401.3229,"end":1405.1029}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Laura speaking.\n\nChannel 0: Hi, Laura. It's Dana from Financial. How are you?\n\nChannel 1: I'm good, Dana. How are you?\n\nChannel 0: I'm very well. Thank you. The guys have booked in for a bit of a catch up this afternoon. You had some questions about property? Yes.\n\nChannel 1: Yeah. So we've got two separate questions. The first one, I'll go the easier well, I don't know if they're easy questions. But anyway, the one to do with Superfast, I don't know if you remember me telling you that with our soup oh, well, sorry. It was actually Chris's paper.\n\nWe had purchased we've set up a self managed super fund and had purchased a unit in Melbourne.\n\nChannel 0: Yeah.\n\nChannel 1: That unit didn't end up going ahead, and it's in the court because it's something to do with the railway line. And it's just not getting built, and it's a bit of a disaster. The company that\n\nChannel 0: Yeah.\n\nChannel 1: we went through, like, the how would you call that company? The advisers, I suppose.\n\nChannel 0: Pick a\n\nChannel 1: Yeah. Sorry?\n\nChannel 0: step. Right.\n\nChannel 1: They have\n\nChannel 0: No.\n\nChannel 1: contacted\n\nChannel 0: No. You're right. Sorry.\n\nChannel 1: they've contacted us yesterday and said that it doesn't\n\nChannel 0: Yeah.\n\nChannel 1: sound like it'll be going out of the course anytime soon and that they are advising the other people who have put deposits down that they could go with another property\n\nChannel 0: Right.\n\nChannel 1: because we eventually would get our deposit back for this one. But we under what to so either wait for the sunset clause or someone else would buy the property off of us.\n\nChannel 0: Right.\n\nChannel 1: You know, the yeah. They would buy the property, and we would get the deposit back that way. The only\n\nChannel 0: Yes.\n\nChannel 1: thing is they've sent through other options, the other units available. And at the moment, they just don't they don't look as good as this one, and it would mean that we'd be\n\nChannel 0: Mhmm.\n\nChannel 1: forking out more money out of our super to then build a unit and who knows how many years it'll take to get that other, deposit back. And we just don't know whether it's a\n\nChannel 0: Yeah.\n\nChannel 1: good idea to just wait and see what happens with the original unit.\n\nChannel 0: Yeah.\n\nChannel 1: Chris, do you wanna sit closer so you're not whispering, and I have to not try repeat? There's there's the changes there's the changes that the government's bringing in about borrowing\n\nChannel 0: Uh-huh.\n\nChannel 1: in self managed super.\n\nChannel 0: Yep.\n\nChannel 1: So if this current unit doesn't go ahead and get canned by the time we\n\nChannel 0: Mhmm.\n\nChannel 1: find\n\nChannel 0: Mhmm.\n\nChannel 1: that out, that we're gonna be past the date that these changes will be made, and then we won't be able to borrow, like, from the bank to get the unit built, and we'd have to, yeah, have all the funds sitting in our super to be able to buy the unit. So we miss out on that opportunity as well.\n\nChannel 0: Yeah. That's probably the biggest one they can say is how long is it gonna take for them to be able to, you know, go through the process? Because the cutoff point for borrowing under a limited recourse borrowing team is the the August 10. And, realistically, if you need to have the loan approved and have the purchase completed by that time, that is literally in about nine days' time. So it's very\n\nChannel 1: Where?\n\nChannel 0: close to the cutoff time. Yeah. Any loans that have not been approved in that time by that date, you can no longer, after that point, borrow in an SMSF for a residential property. The only way you would be able to borrow in a Safranite Superfund is to borrow for a commercial property, and there are a lot more of it associated with commercial properties there. So the question I would probably be looking to ask you guys is,\n\nChannel 1: Oh,\n\nChannel 0: is any of the options available to you? Is anything gonna happen before the tenth of\n\nChannel 1: they're\n\nChannel 0: August, or is everything basically gonna be done after that point?\n\nChannel 1: they're sending through these options as of yesterday. So I'm under the impression\n\nChannel 0: Yeah.\n\nChannel 1: that it would be able to get signed and done before that date.\n\nChannel 0: Yeah. The other thing is transferring funds from Superfund to the SMSF. When requests for rollovers are sent, funds have to be sold down, transfers have to have sort of happened. Everything needs to have happened before the August 10. So I just I'm not sure that you can kinda complete any lending obligations by that time.\n\nWhat sort of guarantees are they giving you guys if they can complete, you know, get these purchases sorted for you before that date?\n\nChannel 1: They hadn't even actually told us that date. So they never mentioned anything about it. They just said, oh, this is what we're telling all our other clients. Are you interested? And they pretty much just said speak to your broker and see if you can afford it.\n\nSo this is our first time hearing it.\n\nChannel 0: Right. Yeah. Because that's one of the biggest things we have at the moment is we do have a couple of people who are trying to get into City Superfund over the last couple of months. It's kind of at that cutoff point now. But under the new government regulations, which were all kind of approved as of the June 26, if if you don't have a residential property like, if you don't have the loan sorted and approved before the tenth and the purchase completed by the August 10, they'll no longer allow be allowed to do that anymore for residential properties.\n\nSo that might kind of move your options a little bit lower. Yeah. It is a bit of a tough one because I don't know what the options are. And have you kind of spoken to brokers since then? Has the broker kinda given you any ideas there whether they can get a loan approved in that time frame or\n\nChannel 1: All he said was that we have enough money to be able\n\nChannel 0: not?\n\nChannel 1: to do it. So, again, he didn't make\n\nChannel 0: Right.\n\nChannel 1: any comment about this cutoff date.\n\nChannel 0: Yeah. That's interesting. They definitely should have told you guys about that because that certainly does make limit your options.\n\nChannel 1: Yeah.\n\nChannel 0: And the other thing to consider is if you have to move more money over for settlement, when funds are rolled over or when the request through the SuperStream system is requested for funds to be rolled into an SMSF, your accountant or whoever's looking after yourself and the Superfund is required to submit that request. When it comes to super funds like industry funds and even have 24, they have to then sell down the investments to cash before they can move those funds over and roll them out. Realistically, a request for a rollover, a super fund legally has thirty days before they have to have actions that are expressed. So it does mean that they can take longer to do so. Some super funds will be able to roll, you know, 80% of the funds required over in a faster time frame, but to get the other 20%, they have to sell that down because when we when funds are sold from an investment to cash, essentially, the super fund or the investment has the, like, the investment platform has the request essentially from the market what the buy sell costs are so that they can allocate that when they're selling it down.\n\nThe other side of it is depending on what you're selling down. I mean, with Hub twenty four, we don't normally have that much of an issue because everything we put you in is, like, ETF, so they can be sold very, very quickly. But\n\nChannel 1: Yeah.\n\nChannel 0: some industry funds as well do have, like, unlisted investments, which can be hard to sell. If you're in anything speculative and that doesn't trade, it can be hard to sell, which can make that time frame sort of pushed out a little more. So what I would be probably suggesting you do at the moment is con find out what the options are. You're welcome to email them to me if you would like some a bit of a rundown on me to have a look at those for you. I\n\nChannel 1: Yes.\n\nChannel 0: would be asking the broker what what are the odds of getting a loan through because some mortgage brokers had actually stopped doing these sorts of lending a few weeks back. They weren't able to get them through, and they actually stopped doing them around that early to mid July. So double check with your broker and find out if you're still doing that kind of a loan. What are the odds of getting a loan through in time for that? The other side of it is if you decide to go with another property, finding out when settlement would be because settlement has to be before the tenth of essentially, before the August 10 to my understanding.\n\nSo I don't know if we can get those things through in time. It is cutting it very thin for you guys, and I'm sorry to add more pressure to you. It's not what\n\nChannel 1: That's\n\nChannel 0: you need\n\nChannel 1: alright.\n\nChannel 0: anyway, they perform. But I do feel like the other advisers then and your brokers should have let you know about these deadlines by now.\n\nChannel 1: Yes.\n\nChannel 0: Definitely. Because they were all put through, legislated as of the June 26.\n\nChannel 1: So so how does that work for our current one? Like, at the moment Yeah. So we paid a deposit. We've signed the contract, and they told us as long as you've\n\nChannel 0: Mhmm.\n\nChannel 1: got a signed contract in place, that that's what you need. There's nothing about everything had to be settled and done and after by the tenth as long as you had a signed contract that that was already in place before the changes, that that was the requirement.\n\nChannel 0: Yeah. Double check with your mortgage broker on that because to my understanding, the loan has to be sent through and approved. We've had a couple of clients who've been stressing to get their loan signed and, like, sorted before that point. So I would probably give your mortgage broker a call and get him to confirm that for you or them just to confirm that for you because, yes, in my understanding and everything I've been going on, basically means that the the loan has to be in and approved. Have you guys had finance or approved?\n\nIt hasn't you just sort of said that you had they told you they could do it. They had actually put through the loan as such, have they?\n\nChannel 1: Oh, for the I'm assuming for the original one, that would have been all approved and everything. Because the only thing for the original one, what has happened is that the build had started, and then the build got stopped\n\nChannel 0: Yeah.\n\nChannel 1: because of the issue with the railway line underneath it. But,\n\nChannel 0: Yeah.\n\nChannel 1: like, again, that was, like, two years ago or something, so hence why we can't really remember because it was so long ago, and we've just been waiting for an answer ever since.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. So I've got I I don't know. I can't remember. But I suppose So\n\nChannel 0: No.\n\nChannel 1: we\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: okay.\n\nChannel 1: We had\n\nChannel 0: Yeah.\n\nChannel 1: we had to change over to Macquarie. They drew down our original full deposit, which we had to like, sorry, our deposit, but we ended up having to roll some back into super because the unit wasn't ready at that stage. So the the company that did our self managed super fund drew too much down. So then we ended up so I think all that part of it was good. But, yeah, obviously, nothing's been nothing's happened since, and we've just got our deposit being held up for two years now.\n\nChannel 0: Yeah. And is the deposit sitting in cash in the fund or anything like that, or was it actually paid to the company building the property?\n\nChannel 1: Yeah. So it's sitting in a trust fund somewhere. Yeah.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: Yeah. So we don't\n\nChannel 0: Yeah.\n\nChannel 1: have it,\n\nChannel 0: I think\n\nChannel 1: which is the\n\nChannel 0: yeah. Yeah. What I would probably\n\nChannel 1: worst part.\n\nChannel 0: do is because if you sort of did this about two years ago, if the loan was all done and done and ready to go, you'd signed contracts and the loan was put in place, you could find out you did that to fix your mortgage broker, find out if they can do up a new loan in time, if the loan was already set up and approved prior to it, what this means what these changes mean to you guys moving forward with this property. And then it's just about work working out whether you whether you wanna go ahead with it, whether this is the right thing for you or not, because the other side of it is how then do you pay the rest of the money that you have to pay, in time. And if it's something you need to roll out of another super fund that needs to be requested straight away, and even at this sort of a time frame, there's no guarantee that it will make it in time.\n\nChannel 1: Yep. Okay. So I suppose, yeah, we'll speak\n\nChannel 0: Yeah.\n\nChannel 1: to that broker\n\nChannel 0: So\n\nChannel 1: and then go for there for that one.\n\nChannel 0: yep.\n\nChannel 1: Okay. That's a little\n\nChannel 0: Sorry.\n\nChannel 1: make a quick decision\n\nChannel 0: Yeah.\n\nChannel 1: on that\n\nChannel 0: Wish\n\nChannel 1: one.\n\nChannel 0: I\n\nChannel 1: No.\n\nChannel 0: have\n\nChannel 1: That's\n\nChannel 0: better\n\nChannel 1: alright.\n\nChannel 0: news for you.\n\nChannel 1: Yeah. No. All good. So on our next one, we you know how\n\nChannel 0: Yeah.\n\nChannel 1: I spoke to you not that long ago and said that go show accountants had said that because we're at the six year mark for one of our properties,\n\nChannel 0: Mhmm.\n\nChannel 1: if we do\n\nChannel 0: Yep.\n\nChannel 1: we're to sell it now, we don't have to pay. So we've got that one up for sale.\n\nChannel 0: Perfect.\n\nChannel 1: We found a block of land that we like the look of. It's half an acre, which is around the $600,000 mark, and then we've been getting quotes\n\nChannel 0: Yep. Yep.\n\nChannel 1: to build a property on it, and it's going it's it's very expensive. So it's about\n\nChannel 0: Yeah.\n\nChannel 1: probably 500 for that. So it's gonna be a 1.1.\n\nChannel 0: Yes.\n\nChannel 1: Driveways, gardens, landscaping. We've gotta put static in. So it's $23 or something now. So it's probably gonna be 1.15 to, yeah, 1.2 maybe. Yeah.\n\nSo quite expensive.\n\nChannel 0: Yes.\n\nChannel 1: And then we've got a rental appraisal that was about 700 to $7.50. And we just don't\n\nChannel 0: Yeah.\n\nChannel 1: know what exactly is that correct question, Chris, if this is a good idea. Well, yeah, basically. It's so in our eyes, it's a 2,005 current house that we've got. There's nothing special about it. We don't think that it's an area that's gonna burn much more than what it has.\n\nGot a lot of houses around\n\nChannel 0: Mhmm.\n\nChannel 1: it. It's only a 700 square meter block.\n\nChannel 0: Yes.\n\nChannel 1: It's no real wow factor. It's had a fairly\n\nChannel 0: Yes.\n\nChannel 1: big increase from when we bought it, so I think, like, potentially most of its heavy lifting's already happened. But we already got that one off. I also\n\nChannel 0: Yeah.\n\nChannel 1: know. Yeah. So we advertised it. And then is like a an area that is, you know, becoming more popular. And this block's walking distance to the beach, and it's 2,000 square meters.\n\nSo it's half an acre block walking distance to the beach,\n\nChannel 0: Yep.\n\nChannel 1: which is probably appealing.\n\nChannel 0: Yep.\n\nChannel 1: It\n\nChannel 0: Yeah.\n\nChannel 1: is yeah. It is just gonna be expensive, but obviously with with our other property sold, say we get 800,000, the loan to like, the the home loan ratio is gonna be pretty low. So we wouldn't be we wouldn't be repaying 1,200,000. We'd be, like, 350,000 or something. I think is that a question, though,\n\nChannel 0: Yeah.\n\nChannel 1: is\n\nChannel 0: Yeah.\n\nChannel 1: it is it too much to be spending for a rental property? I think. Is that sort of what we wanted to know, Chris? Like, we're gonna be outlying like, it is gonna be quite expensive, and then would you get\n\nChannel 0: Yeah.\n\nChannel 1: capital gains from that? Or, you know, the current property that we're selling is currently $600 a week rent. And to be spending this\n\nChannel 0: Yep.\n\nChannel 1: much money to build a new one, you're only getting possibly a 100 to a $150 more?\n\nChannel 0: Yeah. Understandable. Definitely. I mean, if you're going to look at this as an investment property, in order to sort of benefit from the changes because I don't know if anyone's kinda gone through the updated changes in CGT as well, But as of the same time that they put those changes in with the stuff and the super fund, they also put through CGT changes. So as an investor, if you're wanting to be able to look at utilizing an investment property for the purpose of, you know, negative negative\n\nChannel 1: Yeah.\n\nChannel 0: gearing, being able to help kind of lower your overall tax. Buying a brand new property and building is the best way to go.\n\nChannel 1: Yep.\n\nChannel 0: Moving forward,\n\nChannel 1: Yep.\n\nChannel 0: if you were to purchase, like, a preexisting home, they don't allow you to negatively get the property anymore, which means that every year, say, as an example, you would receive 20,000 in income from the property, and you spent had extended to a fee of, say, 40,000. When you go to do your tax return, you won't be able to claim the extra $220,000 back on your income to reduce your income. They will assume the property is being completely and mutually geared, and any losses that you accrue are are carried forward until you sell the property and then deduct it off the capital gain at the end of it. So if you are because you guys are still very high income earners, if you are wanting to access maybe negatively gearing, which could be an option, if the, you know, the rental appraisal comes back that the amount you're spending on the property when it comes to the interest on the loan, if you do gardens, if you have, you know, a a manager looking after the property, if you have all that expenditure outlay is more than what you're actually getting back in the way of income, in way of rental from the property, then it'll be negligible.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: they\n\nChannel 1: Yep. That was something we\n\nChannel 0: having\n\nChannel 1: did\n\nChannel 0: a brand new prop\n\nChannel 1: sorry.\n\nChannel 0: yeah.\n\nChannel 1: I just\n\nChannel 0: Sorry.\n\nChannel 1: that was that was another consideration that we did have getting rid of the older property because of the dangers. And then, yeah, we would be able to find this as a as the new build with the tax deduction. But there's also a limit,\n\nChannel 0: Yeah.\n\nChannel 1: isn't it, they're not on two\n\nChannel 0: Yeah.\n\nChannel 1: properties?\n\nChannel 0: No. Not to my understanding. There's no limit to that. You can have three, four, five properties. It's not a problem at all as long as you are buying a brand new property.\n\nLet me double\n\nChannel 1: Yeah.\n\nChannel 0: check to make sure that hasn't changed in my eyes because, yeah, I went through and pulled the legislation apart the other week and read through all the changes, and it doesn't say anywhere that there's a limit on on the property on the amount of properties that you can have.\n\nChannel 1: Yep. Okay. That's good.\n\nChannel 0: Yeah.\n\nChannel 1: So that was yeah. It was another one of our considerations of getting rid of that other one, but I was hoping to probably do the changeover with about a couple of 100,000, not 350.\n\nChannel 0: Yeah. No. Understandable. I mean, it is a lot of money to spend on a property. Yeah.\n\nSo I just double checked. It says here under the new tax forms, there is no specific number. There's no specific limit to the number of properties or eligible new bills that you can negatively get. You can have two, three, five, ten properties if you like to.\n\nChannel 1: Yep.\n\nChannel 0: The main sort of benefit to doing it is that you're you're building a property, which can then be rented out by other people who can't afford to get into the market. So you're essentially adding to the amount of housing that is available for people to live in, and that's essentially what you do need to be able to consider. If you're selling the property for about 800,000 because it was your main primary residence, and as they said, you've got that main residence exemption there, not having to pay CGT the benefit to you and then, obviously, building the property up from scratch. So a lot of money to consider. But when you think about that as opposed to buying an existing home somewhere else, a lot of the existing properties are still costing 1 to $2,000,000 to buy anyway.\n\nSo, I mean, you're probably spending about the same as what you would if you're buying a brand new property. I'm not sure where else you'd probably looking at, but all the properties that I sort of, you know, see here in Queensland on the Gold Coast in Northern New South Wales, there's not much going for less than 900,000 to $1,000,000. So I think if you're going to buy an investment property, giving yourself the best possible tax advantages is one thing. So being able to negatively get a property in the future is a benefit to you because you guys are very much high income earners. The other side of it is if you then sell the property down the track, because it's a brand new deal, you get to choose between the 50% discount we used to have access to versus the 30% new rule that they have at the moment.\n\nSo the accountant can work out which way actually provides them the better tax advantage when you do go to sell it. So\n\nChannel 1: Okay.\n\nChannel 0: that's something we don't have on new on existing properties. As investors, if we buy an existing property, when we go to sell it, we can only use the 30% CGT rule. And that sometimes provides a higher capital gain than the 50% discount would essentially.\n\nChannel 1: Yes. Oh, yeah. Please giving us a\n\nChannel 0: Yeah. Yeah. Look. Honestly, I would\n\nChannel 1: go\n\nChannel 0: be\n\nChannel 1: ahead.\n\nChannel 0: if it was me, I would absolutely well, this is a general advice because it's it's I haven't sort of taken your goals or anything. But if it was me, I would be looking to look at a brand new build. That way, I have more tax advantages. That way, I have the option of the 30% capital or the 50% discount method down the track. I would be looking to, as a high income earner, if possible, negatively gain a property.\n\nSo I make sure my my what coming in income wise is less than what's going out to help kinda minimize tax and making sure that you can, you know, also get the accountant to do up a depreciation schedule for you so you can claim as much as you possibly can as well because, you know, you're in peak earning capacity, and a new build is by no means a bad thing. And, realistically, if you're gonna buy a preexisting home, as I said before, you're probably gonna send send just as much. So\n\nChannel 1: Mhmm.\n\nChannel 0: you may as well, you know, give yourselves the best advantage you can and look at building a property and getting, you know, the most you can out of it.\n\nChannel 1: Yep. Yeah. I do agree with what you said because I did look up a house today that my parents used to own, and it is now sitting at the $1,000,000 mark. And I was like, what?\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, what you're saying is correct.\n\nChannel 0: Mhmm. Crazy.\n\nChannel 1: Yeah. It is\n\nChannel 0: Yes.\n\nChannel 1: crazy.\n\nChannel 0: Definitely.\n\nChannel 1: Do you have any other questions, Chris? I think that pretty much answered what I was thinking. Yeah. I was\n\nChannel 0: Yep.\n\nChannel 1: just\n\nChannel 0: That's all good.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. No question? No. I don't think so.\n\nThat was the main questions. Yeah. Yeah.\n\nChannel 0: That's okay.\n\nChannel 1: Cool. Alright.\n\nChannel 0: That's\n\nChannel 1: Awesome.\n\nChannel 0: all good. Have I is has anything kinda come up further that you need to clarify a bit more? Like, you're welcome to email me. If anything else comes up, it's not a problem at all. But have I kind of given you a bit of clarity in sort of what you were after and answered those questions that you as much as the SMSF one is hard hard to\n\nChannel 1: Yeah.\n\nChannel 0: answer right now. Sorry.\n\nChannel 1: That no. That's probably fine. I'll get in contact with the broker as soon as I\n\nChannel 0: Yes.\n\nChannel 1: get off the phone to you. And, yeah, I think that's definitely\n\nChannel 0: Yes.\n\nChannel 1: helped with the new build decision for there.\n\nChannel 0: Yes.\n\nChannel 1: So yeah. No. I\n\nChannel 0: Yes.\n\nChannel 1: can't think of anything. But\n\nChannel 0: Yeah.\n\nChannel 1: if we do think of anything, I'll definitely shoot you an email.\n\nChannel 0: Yeah. Absolutely. Give me a call. Shoot me an email. Not a problem at all.\n\nI'll do everything I can to help. Easy.\n\nChannel 1: Awesome.\n\nChannel 0: And, yeah, it's a mortgage broker says, you know, depending on what he says, we'll kind of help you to make up make up your decision on what you're gonna do with the SMS as profit as\n\nChannel 1: Yep.\n\nChannel 0: well. So\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Cool.\n\nChannel 0: Okay.\n\nChannel 1: Alright. Awesome. Thank you so much for your help. We so\n\nChannel 0: All\n\nChannel 1: appreciate\n\nChannel 0: good.\n\nChannel 1: it.\n\nChannel 0: No worries at all, Laurie. You guys have a good day.\n\nChannel 1: You too. Thanks, Anna.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.79999995,"end":1.12,"sentiment":"neutral","sentiment_score":0.01843295246362686},{"text":"Laura speaking.","start":1.12,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.015177248045802116}],"sentiment":"neutral","sentiment_score":0.016262482851743698,"channel":1,"num_words":3,"start":0.79999995,"end":1.9399999},{"sentences":[{"text":"Hi, Laura.","start":3.1999998,"end":3.84,"sentiment":"neutral","sentiment_score":0.10902919620275497},{"text":"It's Dana from Financial.","start":3.84,"end":4.98,"sentiment":"neutral","sentiment_score":0.1588149331510067},{"text":"How are you?","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.15219376981258392}],"sentiment":"neutral","sentiment_score":0.1455443816052543,"channel":0,"num_words":9,"start":3.1999998,"end":6.2599998},{"sentences":[{"text":"I'm good, Dana.","start":6.16,"end":6.96,"sentiment":"positive","sentiment_score":0.5151142875353495},{"text":"How are you?","start":6.96,"end":7.7,"sentiment":"positive","sentiment_score":0.3444903294245402}],"sentiment":"positive","sentiment_score":0.4298023084799449,"channel":1,"num_words":6,"start":6.16,"end":7.7},{"sentences":[{"text":"I'm very well.","start":8.72,"end":9.76,"sentiment":"positive","sentiment_score":0.5677244265874227},{"text":"Thank you.","start":9.76,"end":10.48,"sentiment":"positive","sentiment_score":0.6118677854537964},{"text":"The guys have booked in for a bit of a catch up this afternoon.","start":10.48,"end":13.219999,"sentiment":"neutral","sentiment_score":0.10131045856646129},{"text":"You had some questions about property?","start":13.28,"end":15.139999,"sentiment":"neutral","sentiment_score":0.00513678090646863},{"text":"Yes.","start":16.025,"end":16.525,"sentiment":"neutral","sentiment_score":0.014186346903443336}],"sentiment":"neutral","sentiment_score":0.16885624242086822,"channel":0,"num_words":26,"start":8.72,"end":16.525},{"sentences":[{"text":"Yeah.","start":16.055,"end":16.375,"sentiment":"neutral","sentiment_score":0.005171547643840313},{"text":"So we've got two separate questions.","start":16.375,"end":18.635,"sentiment":"neutral","sentiment_score":-0.00917664992933472},{"text":"The first one, I'll go the easier well, I don't know if they're easy questions.","start":19.895,"end":23.655,"sentiment":"neutral","sentiment_score":0.020413835005213817},{"text":"But anyway, the one to do with Superfast, I don't know if you remember me telling you that with our soup oh, well, sorry.","start":23.655,"end":32.53,"sentiment":"neutral","sentiment_score":-0.05522639878715078},{"text":"It was actually Chris's paper.","start":32.53,"end":33.989998,"sentiment":"neutral","sentiment_score":-0.059127672016620635}],"sentiment":"neutral","sentiment_score":-0.026759857996640837,"channel":1,"num_words":51,"start":16.055,"end":33.989998},{"sentences":[{"text":"We had purchased we've set up a self managed super fund and had purchased a unit in Melbourne.","start":34.29,"end":41.269997,"sentiment":"neutral","sentiment_score":-0.060492386006646685}],"sentiment":"neutral","sentiment_score":-0.060492386006646685,"channel":1,"num_words":18,"start":34.29,"end":41.269997},{"sentences":[{"text":"Yeah.","start":42.84,"end":43.34,"sentiment":"neutral","sentiment_score":-0.18154478073120117}],"sentiment":"neutral","sentiment_score":-0.18154478073120117,"channel":0,"num_words":1,"start":42.84,"end":43.34},{"sentences":[{"text":"That unit didn't end up going ahead, and it's in the court because it's something to do with the railway 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time.","start":198.235,"end":199.695,"sentiment":"neutral","sentiment_score":-0.22511643171310425},{"text":"Yeah.","start":200.13,"end":200.63,"sentiment":"neutral","sentiment_score":-0.17309054732322693},{"text":"Any loans that have not been approved in that time by that date, you can no longer, after that point, borrow in an SMSF for a residential property.","start":201.56999,"end":211.17,"sentiment":"neutral","sentiment_score":-0.2683225822235857},{"text":"The only way you would be able to borrow in a Safranite Superfund is to borrow for a commercial property, and there are a lot more of it associated with commercial properties there.","start":211.17,"end":221.38501,"sentiment":"neutral","sentiment_score":-0.17937447582230423},{"text":"So the question I would probably be looking to ask you guys 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of","start":230.59001,"end":233.31001,"sentiment":"neutral","sentiment_score":-0.11028148699551821}],"sentiment":"neutral","sentiment_score":-0.0727473208680749,"channel":0,"num_words":16,"start":227.23001,"end":233.31001},{"sentences":[{"text":"they're","start":233.1675,"end":233.6675,"sentiment":"neutral","sentiment_score":-0.11071791499853134}],"sentiment":"neutral","sentiment_score":-0.11071791499853134,"channel":1,"num_words":1,"start":233.1675,"end":233.6675},{"sentences":[{"text":"August, or is everything basically gonna be done after that point?","start":233.31001,"end":237.73001,"sentiment":"neutral","sentiment_score":-0.14668902280655774}],"sentiment":"neutral","sentiment_score":-0.14668902280655774,"channel":0,"num_words":11,"start":233.31001,"end":237.73001},{"sentences":[{"text":"they're sending through these options as of yesterday.","start":239.42,"end":242.16,"sentiment":"neutral","sentiment_score":-0.1574107352644205},{"text":"So I'm under the 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date?","start":271.725,"end":278.945,"sentiment":"neutral","sentiment_score":-0.09692941357692082}],"sentiment":"neutral","sentiment_score":-0.09692941357692082,"channel":0,"num_words":24,"start":271.725,"end":278.945},{"sentences":[{"text":"They hadn't even actually told us that date.","start":279.385,"end":281.80502,"sentiment":"neutral","sentiment_score":-0.32862113788723946},{"text":"So they never mentioned anything about it.","start":281.86502,"end":283.785,"sentiment":"neutral","sentiment_score":-0.3226200725351061},{"text":"They just said, oh, this is what we're telling all our other clients.","start":283.785,"end":286.265,"sentiment":"neutral","sentiment_score":-0.16418417887045786},{"text":"Are you interested?","start":286.265,"end":287.005,"sentiment":"neutral","sentiment_score":-0.03948362171649933},{"text":"And they pretty much just said speak to your broker and see if you can afford 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at that cutoff point now.","start":302.145,"end":304.16498,"sentiment":"neutral","sentiment_score":-0.14296612702310085},{"text":"But under the new government regulations, which were all kind of approved as of the June 26, if if you don't have a residential property like, if you don't have the loan sorted and approved before the tenth and the purchase completed by the August 10, they'll no longer allow be allowed to do that anymore for residential properties.","start":304.625,"end":327.255,"sentiment":"neutral","sentiment_score":-0.23437517666715688}],"sentiment":"neutral","sentiment_score":-0.1351425812751489,"channel":0,"num_words":103,"start":294.13,"end":327.255},{"sentences":[{"text":"So that might kind of move your options a little bit lower.","start":327.255,"end":329.995,"sentiment":"neutral","sentiment_score":-0.309684398273627},{"text":"Yeah.","start":331.655,"end":331.975,"sentiment":"neutral","sentiment_score":-0.2009701132774353},{"text":"It is a bit of a tough one because I don't know what the options are.","start":331.975,"end":335.435,"sentiment":"negative","sentiment_score":-0.40385458804666996},{"text":"And have you kind of spoken to brokers since then?","start":335.895,"end":338.695,"sentiment":"neutral","sentiment_score":-0.1507255770266056},{"text":"Has the broker kinda given you any ideas there whether they can get a loan approved in that time frame or","start":338.695,"end":344.53,"sentiment":"neutral","sentiment_score":-0.20393618444601694}],"sentiment":"neutral","sentiment_score":-0.2694795324156682,"channel":0,"num_words":60,"start":327.255,"end":344.53},{"sentences":[{"text":"All he said was that we have enough money to be able","start":345.18002,"end":349.34003,"sentiment":"neutral","sentiment_score":-0.3147888754804929}],"sentiment":"neutral","sentiment_score":-0.3147888754804929,"channel":1,"num_words":12,"start":345.18002,"end":349.34003},{"sentences":[{"text":"not?","start":349.15,"end":349.65,"sentiment":"neutral","sentiment_score":-0.3132598400115967}],"sentiment":"neutral","sentiment_score":-0.3132598400115967,"channel":0,"num_words":1,"start":349.15,"end":349.65},{"sentences":[{"text":"to do it.","start":349.34003,"end":350.16,"sentiment":"neutral","sentiment_score":-0.31285106142361957},{"text":"So, again, he didn't make","start":350.7,"end":352.06,"sentiment":"neutral","sentiment_score":-0.20641421973705293}],"sentiment":"neutral","sentiment_score":-0.24632803536951542,"channel":1,"num_words":8,"start":349.34003,"end":352.06},{"sentences":[{"text":"Right.","start":351.95,"end":352.45,"sentiment":"neutral","sentiment_score":-0.2090991884469986}],"sentiment":"neutral","sentiment_score":-0.2090991884469986,"channel":0,"num_words":1,"start":351.95,"end":352.45},{"sentences":[{"text":"any comment about this cutoff date.","start":352.06,"end":353.955,"sentiment":"negative","sentiment_score":-0.3971092030405998}],"sentiment":"negative","sentiment_score":-0.3971092030405998,"channel":1,"num_words":6,"start":352.06,"end":353.955},{"sentences":[{"text":"Yeah.","start":355.685,"end":356.16498,"sentiment":"neutral","sentiment_score":-0.18377253413200376},{"text":"That's interesting.","start":356.16498,"end":356.985,"sentiment":"neutral","sentiment_score":-0.23174197226762772},{"text":"They definitely should have told you guys about that because that certainly does make limit your options.","start":357.125,"end":362.425,"sentiment":"negative","sentiment_score":-0.5997940775226144}],"sentiment":"negative","sentiment_score":-0.5421877898275852,"channel":0,"num_words":20,"start":355.685,"end":362.425},{"sentences":[{"text":"Yeah.","start":362.91498,"end":363.41498,"sentiment":"neutral","sentiment_score":-0.13713650405406952}],"sentiment":"neutral","sentiment_score":-0.13713650405406952,"channel":1,"num_words":1,"start":362.91498,"end":363.41498},{"sentences":[{"text":"And the other thing to consider is if you have to move more money over for settlement, when funds are rolled over or when the request through the SuperStream system is requested for funds to be rolled into an SMSF, your accountant or whoever's looking after yourself and the Superfund is required to submit that request.","start":363.04498,"end":379.80002,"sentiment":"neutral","sentiment_score":-0.06316359509115241},{"text":"When it comes to super funds like industry funds and even have 24, they have to then sell down the investments to cash before they can move those funds over and roll them out.","start":380.565,"end":391.145,"sentiment":"neutral","sentiment_score":-0.21091276714030435},{"text":"Realistically, a request for a rollover, a super fund legally has thirty days before they have to have actions that are expressed.","start":391.525,"end":400.2,"sentiment":"neutral","sentiment_score":-0.16058805618773808},{"text":"So it does mean that they can take longer to do so.","start":400.34,"end":404.68002,"sentiment":"neutral","sentiment_score":-0.25842353080709773},{"text":"Some super funds will be able to roll, you know, 80% of the funds required over in a faster time frame, but to get the other 20%, they have to sell that down because when we when funds are sold from an investment to cash, essentially, the super fund or the investment has the, like, the investment platform has the request essentially from the market what the buy sell costs are so that they can allocate that when they're selling it down.","start":405.22,"end":433.93997,"sentiment":"neutral","sentiment_score":-0.10755866284414035}],"sentiment":"neutral","sentiment_score":-0.12700012314033884,"channel":0,"num_words":206,"start":363.04498,"end":433.93997},{"sentences":[{"text":"The other side of it is depending on what you're selling down.","start":434.08,"end":436.71997,"sentiment":"neutral","sentiment_score":-0.22869470963875452},{"text":"I mean, with Hub twenty four, we don't normally have that much of an issue because everything we put you in is, like, ETF, so they can be sold very, very quickly.","start":436.71997,"end":444.075,"sentiment":"neutral","sentiment_score":-0.22389098000712693},{"text":"But","start":444.535,"end":444.935,"sentiment":"neutral","sentiment_score":-0.09296079725027084}],"sentiment":"neutral","sentiment_score":-0.22226241495874194,"channel":0,"num_words":45,"start":434.08,"end":444.935},{"sentences":[{"text":"Yeah.","start":444.78,"end":445.28,"sentiment":"neutral","sentiment_score":-0.21327081322669983}],"sentiment":"neutral","sentiment_score":-0.21327081322669983,"channel":1,"num_words":1,"start":444.78,"end":445.28},{"sentences":[{"text":"some industry funds as well do have, like, unlisted investments, which can be hard to sell.","start":444.935,"end":450.555,"sentiment":"negative","sentiment_score":-0.38189615681767464},{"text":"If you're in anything speculative and that doesn't trade, it can be hard to sell, which can make that time frame sort of pushed out a little more.","start":450.775,"end":458.77002,"sentiment":"negative","sentiment_score":-0.5146176932113511},{"text":"So what I would be probably suggesting you do at the moment is con find out what the options are.","start":459.31,"end":464.59,"sentiment":"neutral","sentiment_score":0.012203891202807427},{"text":"You're welcome to email them to me if you would like some a bit of a rundown on me to have a look at those for you.","start":464.59,"end":470.355,"sentiment":"neutral","sentiment_score":0.32910761292333957},{"text":"I","start":470.595,"end":470.83502,"sentiment":"neutral","sentiment_score":0.0882345587015152}],"sentiment":"neutral","sentiment_score":-0.12284147812296516,"channel":0,"num_words":92,"start":444.935,"end":470.83502},{"sentences":[{"text":"Yes.","start":470.81,"end":471.31,"sentiment":"neutral","sentiment_score":0.10639017075300217}],"sentiment":"neutral","sentiment_score":0.10639017075300217,"channel":1,"num_words":1,"start":470.81,"end":471.31},{"sentences":[{"text":"would be asking the broker what what are the odds of getting a loan through because some mortgage brokers had actually stopped doing these sorts of lending a few weeks back.","start":470.83502,"end":482.11502,"sentiment":"neutral","sentiment_score":-0.2239944764202641},{"text":"They weren't able to get them through, and they actually stopped doing them around that early to mid July.","start":482.11502,"end":487.19998,"sentiment":"negative","sentiment_score":-0.453450155885596},{"text":"So double check with your broker and find out if you're still doing that kind of a loan.","start":487.74,"end":491.58,"sentiment":"neutral","sentiment_score":-0.2649863411982854},{"text":"What are the odds of getting a loan through in time for that?","start":491.58,"end":495.74,"sentiment":"neutral","sentiment_score":-0.11242411342950967},{"text":"The other side of it is if you decide to go with another property, finding out when settlement would be because settlement has to be before the tenth of essentially, before the August 10 to my understanding.","start":495.74,"end":509.655,"sentiment":"neutral","sentiment_score":-0.15637131760249268}],"sentiment":"neutral","sentiment_score":-0.23369820422287715,"channel":0,"num_words":118,"start":470.83502,"end":509.655},{"sentences":[{"text":"So I don't know if we can get those things through in time.","start":510.75,"end":514.27,"sentiment":"negative","sentiment_score":-0.36348583377324617},{"text":"It is cutting it very thin for you guys, and I'm sorry to add more pressure to you.","start":514.27,"end":518.67,"sentiment":"negative","sentiment_score":-0.6378051969740126},{"text":"It's not what","start":518.67,"end":519.23,"sentiment":"neutral","sentiment_score":-0.32054340839385986}],"sentiment":"negative","sentiment_score":-0.5049246944048825,"channel":0,"num_words":34,"start":510.75,"end":519.23},{"sentences":[{"text":"That's","start":519.15,"end":519.47003,"sentiment":"neutral","sentiment_score":-0.20330944657325745}],"sentiment":"neutral","sentiment_score":-0.20330944657325745,"channel":1,"num_words":1,"start":519.15,"end":519.47003},{"sentences":[{"text":"you need","start":519.23,"end":519.63,"sentiment":"neutral","sentiment_score":-0.22588159143924713}],"sentiment":"neutral","sentiment_score":-0.22588159143924713,"channel":0,"num_words":2,"start":519.23,"end":519.63},{"sentences":[{"text":"alright.","start":519.47003,"end":519.97003,"sentiment":"neutral","sentiment_score":-0.10657218098640442}],"sentiment":"neutral","sentiment_score":-0.10657218098640442,"channel":1,"num_words":1,"start":519.47003,"end":519.97003},{"sentences":[{"text":"anyway, they perform.","start":519.63,"end":520.77,"sentiment":"neutral","sentiment_score":-0.048125069588422775},{"text":"But I do feel like the other advisers then and your brokers should have let you know about these deadlines by now.","start":521.39,"end":526.895,"sentiment":"neutral","sentiment_score":0.009510691531679848}],"sentiment":"neutral","sentiment_score":0.0025944001972675323,"channel":0,"num_words":25,"start":519.63,"end":526.895},{"sentences":[{"text":"Yes.","start":526.83,"end":527.33,"sentiment":"neutral","sentiment_score":0.13008269667625427}],"sentiment":"neutral","sentiment_score":0.13008269667625427,"channel":1,"num_words":1,"start":526.83,"end":527.33},{"sentences":[{"text":"Definitely.","start":527.11505,"end":527.61505,"sentiment":"neutral","sentiment_score":0.19946180284023285},{"text":"Because they were all put through, legislated as of the June 26.","start":527.67505,"end":532.81506,"sentiment":"neutral","sentiment_score":0.2564230461915334}],"sentiment":"neutral","sentiment_score":0.25204141208758724,"channel":0,"num_words":13,"start":527.11505,"end":532.81506},{"sentences":[{"text":"So so how does that work for our current one?","start":533.28503,"end":535.925,"sentiment":"neutral","sentiment_score":0.15853721722960473},{"text":"Like, at the moment Yeah.","start":535.925,"end":537.925,"sentiment":"neutral","sentiment_score":0.020695138536393643},{"text":"So we paid a deposit.","start":537.925,"end":539.045,"sentiment":"neutral","sentiment_score":0.07715560793876648},{"text":"We've signed the contract, and they told us as long as you've","start":539.045,"end":542.06,"sentiment":"neutral","sentiment_score":0.04419832956045866}],"sentiment":"neutral","sentiment_score":0.08140643310616724,"channel":1,"num_words":32,"start":533.28503,"end":542.06},{"sentences":[{"text":"Mhmm.","start":542.03,"end":542.53,"sentiment":"neutral","sentiment_score":0.04002787917852402}],"sentiment":"neutral","sentiment_score":0.04002787917852402,"channel":0,"num_words":1,"start":542.03,"end":542.53},{"sentences":[{"text":"got a signed contract in place, that that's what you need.","start":542.06,"end":545.66,"sentiment":"neutral","sentiment_score":0.04759985851970586},{"text":"There's nothing about everything had to be settled and done and after by the tenth as long as you had a signed contract that that was already in place before the changes, that that was the requirement.","start":545.66,"end":557.245,"sentiment":"neutral","sentiment_score":-0.07235127272134698}],"sentiment":"neutral","sentiment_score":-0.04486247181193903,"channel":1,"num_words":48,"start":542.06,"end":557.245},{"sentences":[{"text":"Yeah.","start":558.04504,"end":558.54504,"sentiment":"neutral","sentiment_score":0.06063404679298401},{"text":"Double check with your mortgage broker on that because to my understanding, the loan has to be sent through and approved.","start":558.765,"end":565.41003,"sentiment":"neutral","sentiment_score":0.06883153567711513},{"text":"We've had a couple of clients who've been stressing to get their loan signed and, like, sorted before that point.","start":565.41003,"end":571.91003,"sentiment":"neutral","sentiment_score":-0.012926645018160344},{"text":"So I would probably give your mortgage broker a call and get him to confirm that for you or them just to confirm that for you because, yes, in my understanding and everything I've been going on, basically means that the the loan has to be in and approved.","start":572.77,"end":585.155,"sentiment":"neutral","sentiment_score":0.1615524451647486},{"text":"Have you guys had finance or approved?","start":586.09503,"end":588.175,"sentiment":"neutral","sentiment_score":0.02646106162241527}],"sentiment":"neutral","sentiment_score":0.09539653714366104,"channel":0,"num_words":98,"start":558.04504,"end":588.175},{"sentences":[{"text":"It hasn't you just sort of said that you had they told you they could do it.","start":588.175,"end":591.53503,"sentiment":"neutral","sentiment_score":-0.11703635971335803},{"text":"They had actually put through the loan as such, have they?","start":591.53503,"end":594.115,"sentiment":"neutral","sentiment_score":0.01966450752859766}],"sentiment":"neutral","sentiment_score":-0.06333244758258973,"channel":0,"num_words":28,"start":588.175,"end":594.115},{"sentences":[{"text":"Oh, for the I'm assuming for the original one, that would have been all approved and everything.","start":594.71,"end":599.43,"sentiment":"neutral","sentiment_score":0.16539370487718022},{"text":"Because the only thing for the original one, what has happened is that the build had started, and then the build got 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since.","start":610.94495,"end":619.045,"sentiment":"neutral","sentiment_score":-0.17275939170609822}],"sentiment":"neutral","sentiment_score":-0.17275939170609822,"channel":1,"num_words":33,"start":610.94495,"end":619.045},{"sentences":[{"text":"Yeah.","start":620.185,"end":620.435,"sentiment":"neutral","sentiment_score":-0.028097091242671013},{"text":"Yeah.","start":620.435,"end":620.935,"sentiment":"neutral","sentiment_score":-0.02038973569869995}],"sentiment":"neutral","sentiment_score":-0.024243413470685482,"channel":0,"num_words":2,"start":620.185,"end":620.935},{"sentences":[{"text":"Yeah.","start":621.745,"end":622.14496,"sentiment":"neutral","sentiment_score":-0.025177398696541783},{"text":"So I've got I I don't know.","start":622.14496,"end":623.58496,"sentiment":"neutral","sentiment_score":-0.09244222193956375},{"text":"I can't remember.","start":623.58496,"end":624.40497,"sentiment":"neutral","sentiment_score":-0.12556609511375427},{"text":"But I suppose 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down.","start":643.40497,"end":647.885,"sentiment":"neutral","sentiment_score":-0.2835396409034729},{"text":"So then we ended up so I think all that part of it was good.","start":647.885,"end":652.27,"sentiment":"neutral","sentiment_score":0.2048043022553126},{"text":"But, yeah, obviously, nothing's been nothing's happened since, and we've just got our deposit being held up for two years now.","start":653.61,"end":660.02997,"sentiment":"neutral","sentiment_score":-0.19632052701143993}],"sentiment":"neutral","sentiment_score":-0.16321744599744029,"channel":1,"num_words":92,"start":628.37,"end":660.02997},{"sentences":[{"text":"Yeah.","start":661.43,"end":661.93,"sentiment":"neutral","sentiment_score":-0.027113856747746468},{"text":"And is the deposit sitting in cash in the fund or anything like that, or was it actually paid to the company building the 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that?","start":905.665,"end":906.785,"sentiment":"neutral","sentiment_score":-0.10501635633409023},{"text":"Or, you know, the current property that we're selling is currently $600 a week rent.","start":906.785,"end":911.76495,"sentiment":"neutral","sentiment_score":-0.165293221672376},{"text":"And to be spending this","start":911.90497,"end":913.425,"sentiment":"neutral","sentiment_score":-0.2279637038707733}],"sentiment":"neutral","sentiment_score":-0.1683034279073278,"channel":1,"num_words":24,"start":905.665,"end":913.425},{"sentences":[{"text":"Yep.","start":913.28503,"end":913.78503,"sentiment":"neutral","sentiment_score":-0.16335263848304749}],"sentiment":"neutral","sentiment_score":-0.16335263848304749,"channel":0,"num_words":1,"start":913.28503,"end":913.78503},{"sentences":[{"text":"much money to build a new one, you're only getting possibly a 100 to a $150 more?","start":913.425,"end":918.54,"sentiment":"neutral","sentiment_score":-0.24439886957406998}],"sentiment":"neutral","sentiment_score":-0.24439886957406998,"channel":1,"num_words":17,"start":913.425,"end":918.54},{"sentences":[{"text":"Yeah.","start":920.52,"end":921.02,"sentiment":"neutral","sentiment_score":-0.007527381181716919},{"text":"Understandable.","start":921.24005,"end":921.74005,"sentiment":"neutral","sentiment_score":0.014755530282855034},{"text":"Definitely.","start":922.04004,"end":922.54004,"sentiment":"neutral","sentiment_score":-0.08071984350681305},{"text":"I mean, if you're going to look at this as an investment property, in order to sort of benefit from the changes because I don't know if anyone's kinda gone through the updated changes in CGT as well, But as of the same time that they put those changes in with the stuff and the super fund, they also put through CGT changes.","start":922.76,"end":942.515,"sentiment":"neutral","sentiment_score":0.10577959440175504},{"text":"So as an investor, if you're wanting to be able to look at utilizing an investment property for the purpose of, you know, negative negative","start":942.515,"end":951.67,"sentiment":"neutral","sentiment_score":0.21099740743637085}],"sentiment":"neutral","sentiment_score":0.13039074658037542,"channel":0,"num_words":91,"start":920.52,"end":951.67},{"sentences":[{"text":"Yeah.","start":951.19,"end":951.69,"sentiment":"neutral","sentiment_score":0.25240597128868103}],"sentiment":"neutral","sentiment_score":0.25240597128868103,"channel":1,"num_words":1,"start":951.19,"end":951.69},{"sentences":[{"text":"gearing, being able to help kind of lower your overall tax.","start":951.73,"end":955.75,"sentiment":"positive","sentiment_score":0.471536937085065},{"text":"Buying a brand new property and building is the best way to go.","start":956.29,"end":959.75,"sentiment":"positive","sentiment_score":0.5525152522784013}],"sentiment":"positive","sentiment_score":0.5154001911481222,"channel":0,"num_words":24,"start":951.73,"end":959.75},{"sentences":[{"text":"Yep.","start":959.995,"end":960.475,"sentiment":"neutral","sentiment_score":0.31813547015190125}],"sentiment":"neutral","sentiment_score":0.31813547015190125,"channel":1,"num_words":1,"start":959.995,"end":960.475},{"sentences":[{"text":"Moving forward,","start":960.13,"end":960.93,"sentiment":"neutral","sentiment_score":0.2887405455112457}],"sentiment":"neutral","sentiment_score":0.2887405455112457,"channel":0,"num_words":2,"start":960.13,"end":960.93},{"sentences":[{"text":"Yep.","start":960.475,"end":960.975,"sentiment":"neutral","sentiment_score":0.25262242555618286}],"sentiment":"neutral","sentiment_score":0.25262242555618286,"channel":1,"num_words":1,"start":960.475,"end":960.975},{"sentences":[{"text":"if you were to purchase, like, a preexisting home, they don't allow you to negatively get the property anymore, which means that every year, say, as an example, you would receive 20,000 in income from the property, and you spent had extended to a fee of, say, 40,000.","start":960.93,"end":978.215,"sentiment":"neutral","sentiment_score":0.10843512935874362},{"text":"When you go to do your tax return, you won't be able to claim the extra $220,000 back on your income to reduce your income.","start":979.07,"end":985.55,"sentiment":"neutral","sentiment_score":0.1617203661799431},{"text":"They will assume the property is being completely and mutually geared, and any losses that you accrue are are carried forward until you sell the property and then deduct it off the capital gain at the end of it.","start":985.55,"end":998.485,"sentiment":"neutral","sentiment_score":0.12003291379182766},{"text":"So if you are because you guys are still very high income earners, if you are wanting to access maybe negatively gearing, which could be an option, if the, you know, the rental appraisal comes back that the amount you're spending on the property when it comes to the interest on the loan, if you do gardens, if you have, you know, a a manager looking after the property, if you have all that expenditure outlay is more than what you're actually getting back in the way of income, in way of rental from the property, then it'll be negligible.","start":998.485,"end":1029.065,"sentiment":"neutral","sentiment_score":-0.1507700065150857}],"sentiment":"neutral","sentiment_score":-0.005414253065608583,"channel":0,"num_words":212,"start":960.93,"end":1029.065},{"sentences":[{"text":"And","start":1029.125,"end":1029.625,"sentiment":"neutral","sentiment_score":-0.01199650764465332}],"sentiment":"neutral","sentiment_score":-0.01199650764465332,"channel":0,"num_words":1,"start":1029.125,"end":1029.625},{"sentences":[{"text":"Yep.","start":1030.14,"end":1030.275,"sentiment":"neutral","sentiment_score":-0.005753971636295319}],"sentiment":"neutral","sentiment_score":-0.005753971636295319,"channel":1,"num_words":1,"start":1030.14,"end":1030.275},{"sentences":[{"text":"they","start":1030.645,"end":1031.145,"sentiment":"neutral","sentiment_score":-0.0459003709256649}],"sentiment":"neutral","sentiment_score":-0.0459003709256649,"channel":0,"num_words":1,"start":1030.645,"end":1031.145},{"sentences":[{"text":"Yep.","start":1031.155,"end":1031.395,"sentiment":"neutral","sentiment_score":-0.03376195952296257},{"text":"That 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prop","start":1032.645,"end":1033.525,"sentiment":"neutral","sentiment_score":-0.2890775427222252}],"sentiment":"neutral","sentiment_score":-0.2890775427222252,"channel":0,"num_words":4,"start":1032.645,"end":1033.525},{"sentences":[{"text":"sorry.","start":1033.9551,"end":1034.4551,"sentiment":"neutral","sentiment_score":-0.23835016787052157}],"sentiment":"neutral","sentiment_score":-0.23835016787052157,"channel":1,"num_words":1,"start":1033.9551,"end":1034.4551},{"sentences":[{"text":"yeah.","start":1034.325,"end":1034.825,"sentiment":"neutral","sentiment_score":-0.15171393752098083}],"sentiment":"neutral","sentiment_score":-0.15171393752098083,"channel":0,"num_words":1,"start":1034.325,"end":1034.825},{"sentences":[{"text":"I 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limit,","start":1046.9199,"end":1048.2,"sentiment":"neutral","sentiment_score":-0.1000504121184349}],"sentiment":"neutral","sentiment_score":-0.053057838396893604,"channel":1,"num_words":45,"start":1035.235,"end":1048.2},{"sentences":[{"text":"Yeah.","start":1047.9,"end":1048.4,"sentiment":"neutral","sentiment_score":-0.06898240000009537}],"sentiment":"neutral","sentiment_score":-0.06898240000009537,"channel":0,"num_words":1,"start":1047.9,"end":1048.4},{"sentences":[{"text":"isn't it, they're not on two","start":1048.2,"end":1049.3999,"sentiment":"neutral","sentiment_score":-0.05348243564367294}],"sentiment":"neutral","sentiment_score":-0.05348243564367294,"channel":1,"num_words":6,"start":1048.2,"end":1049.3999},{"sentences":[{"text":"Yeah.","start":1049.34,"end":1049.84,"sentiment":"neutral","sentiment_score":-0.0145463515073061}],"sentiment":"neutral","sentiment_score":-0.0145463515073061,"channel":0,"num_words":1,"start":1049.34,"end":1049.84},{"sentences":[{"text":"properties?","start":1049.3999,"end":1049.8999,"sentiment":"neutral","sentiment_score":-0.01793164387345314}],"sentiment":"neutral","sentiment_score":-0.01793164387345314,"channel":1,"num_words":1,"start":1049.3999,"end":1049.8999},{"sentences":[{"text":"No.","start":1052.0349,"end":1052.515,"sentiment":"neutral","sentiment_score":-0.06471187621355057},{"text":"Not to my understanding.","start":1052.515,"end":1053.5549,"sentiment":"neutral","sentiment_score":-0.08848759345710278},{"text":"There's no limit to that.","start":1053.5549,"end":1054.595,"sentiment":"neutral","sentiment_score":-0.04392392411828041},{"text":"You can have three, four, five properties.","start":1054.595,"end":1056.4349,"sentiment":"neutral","sentiment_score":0.10674722705568586},{"text":"It's not a problem at all as long as you are buying a brand new property.","start":1056.4349,"end":1061.255,"sentiment":"neutral","sentiment_score":0.14390766341239214}],"sentiment":"neutral","sentiment_score":0.07307488888953671,"channel":0,"num_words":33,"start":1052.0349,"end":1061.255},{"sentences":[{"text":"Let me double","start":1061.315,"end":1062.115,"sentiment":"neutral","sentiment_score":-0.0029094554483890533}],"sentiment":"neutral","sentiment_score":-0.0029094554483890533,"channel":0,"num_words":3,"start":1061.315,"end":1062.115},{"sentences":[{"text":"Yeah.","start":1061.8949,"end":1062.3949,"sentiment":"neutral","sentiment_score":0.004210438579320908}],"sentiment":"neutral","sentiment_score":0.004210438579320908,"channel":1,"num_words":1,"start":1061.8949,"end":1062.3949},{"sentences":[{"text":"check to make sure that hasn't changed in my eyes because, yeah, I went through and pulled the legislation apart the other week and read through all the changes, and it doesn't say anywhere that there's a limit on on the property on the amount of properties that you can have.","start":1062.115,"end":1075.74,"sentiment":"neutral","sentiment_score":-0.07526172704848588}],"sentiment":"neutral","sentiment_score":-0.07526172704848588,"channel":0,"num_words":51,"start":1062.115,"end":1075.74},{"sentences":[{"text":"Yep.","start":1076.07,"end":1076.57,"sentiment":"neutral","sentiment_score":0.03778953105211258},{"text":"Okay.","start":1076.71,"end":1076.95,"sentiment":"neutral","sentiment_score":0.1084403246641159},{"text":"That's good.","start":1076.95,"end":1077.69,"sentiment":"neutral","sentiment_score":0.32629579305648804}],"sentiment":"neutral","sentiment_score":0.19970536045730114,"channel":1,"num_words":4,"start":1076.07,"end":1077.69},{"sentences":[{"text":"Yeah.","start":1079.16,"end":1079.66,"sentiment":"neutral","sentiment_score":0.171059712767601}],"sentiment":"neutral","sentiment_score":0.171059712767601,"channel":0,"num_words":1,"start":1079.16,"end":1079.66},{"sentences":[{"text":"So that was yeah.","start":1079.59,"end":1080.47,"sentiment":"neutral","sentiment_score":0.09518618881702423},{"text":"It was another one of our considerations of getting rid of that other one, but I was hoping to probably do the changeover with about a couple of 100,000, not 350.","start":1080.47,"end":1091.525,"sentiment":"neutral","sentiment_score":0.00601397430704486}],"sentiment":"neutral","sentiment_score":0.016205084536756786,"channel":1,"num_words":35,"start":1079.59,"end":1091.525},{"sentences":[{"text":"Yeah.","start":1094.33,"end":1094.49,"sentiment":"neutral","sentiment_score":-0.04286003112792969},{"text":"No.","start":1094.49,"end":1094.8899,"sentiment":"neutral","sentiment_score":-0.1531202793121338},{"text":"Understandable.","start":1094.8899,"end":1095.3899,"sentiment":"neutral","sentiment_score":-0.17767511308193207},{"text":"I mean, it is a lot of money to spend on a property.","start":1096.09,"end":1098.99,"sentiment":"neutral","sentiment_score":-0.21151386889127585},{"text":"Yeah.","start":1099.45,"end":1099.7699,"sentiment":"neutral","sentiment_score":-0.07395263761281967}],"sentiment":"neutral","sentiment_score":-0.18807578568949418,"channel":0,"num_words":17,"start":1094.33,"end":1099.7699},{"sentences":[{"text":"So I just double checked.","start":1099.7699,"end":1100.8099,"sentiment":"neutral","sentiment_score":-0.03477181419730187},{"text":"It says here under the new tax forms, there is no specific number.","start":1100.8099,"end":1104.35,"sentiment":"neutral","sentiment_score":-0.06004717401587046},{"text":"There's no specific limit to the number of properties or eligible new bills that you can negatively get.","start":1104.855,"end":1109.975,"sentiment":"neutral","sentiment_score":-0.21209841780364513},{"text":"You can have two, three, five, ten properties if you like to.","start":1109.975,"end":1113.515,"sentiment":"neutral","sentiment_score":-0.003679717735697826}],"sentiment":"neutral","sentiment_score":-0.10034167638514191,"channel":0,"num_words":48,"start":1099.7699,"end":1113.515},{"sentences":[{"text":"Yep.","start":1113.855,"end":1114.355,"sentiment":"neutral","sentiment_score":0.08556495606899261}],"sentiment":"neutral","sentiment_score":0.08556495606899261,"channel":1,"num_words":1,"start":1113.855,"end":1114.355},{"sentences":[{"text":"The main sort of benefit to doing it is that you're you're building a property, which can then be rented out by other people who can't afford to get into the market.","start":1113.895,"end":1123.15,"sentiment":"neutral","sentiment_score":0.1748434891924262},{"text":"So you're essentially adding to the amount of housing that is available for people to live in, and that's essentially what you do need to be able to consider.","start":1123.2101,"end":1132.03,"sentiment":"neutral","sentiment_score":0.22670226775366684},{"text":"If you're selling the property for about 800,000 because it was your main primary residence, and as they said, you've got that main residence exemption there, not having to pay CGT the benefit to you and then, obviously, building the property up from scratch.","start":1132.965,"end":1148.78,"sentiment":"neutral","sentiment_score":0.13652714612809094},{"text":"So a lot of money to consider.","start":1148.78,"end":1150.4,"sentiment":"neutral","sentiment_score":-0.028711966638054167},{"text":"But when you think about that as opposed to buying an existing home somewhere else, a lot of the existing properties are still costing 1 to $2,000,000 to buy anyway.","start":1151.1799,"end":1163.605,"sentiment":"neutral","sentiment_score":-0.2007119546333949}],"sentiment":"neutral","sentiment_score":0.08418457354353347,"channel":0,"num_words":142,"start":1113.895,"end":1163.605},{"sentences":[{"text":"So, I mean, you're probably spending about the same as what you would if you're buying a brand new property.","start":1163.8251,"end":1170.225,"sentiment":"neutral","sentiment_score":-0.1062571257352829},{"text":"I'm not sure where else you'd probably looking at, but all the properties that I sort of, you know, see here in Queensland on the Gold Coast in Northern New South Wales, there's not much going for less than 900,000 to $1,000,000.","start":1170.225,"end":1183.98,"sentiment":"neutral","sentiment_score":-0.06117205113349926},{"text":"So I think if you're going to buy an investment property, giving yourself the best possible tax advantages is one thing.","start":1183.98,"end":1192.715,"sentiment":"neutral","sentiment_score":0.16356666811874934},{"text":"So being able to negatively get a property in the future is a benefit to you because you guys are very much high income earners.","start":1192.715,"end":1199.135,"sentiment":"neutral","sentiment_score":0.05456546872854233},{"text":"The other side of it is if you then sell the property down the track, because it's a brand new deal, you get to choose between the 50% discount we used to have access to versus the 30% new rule that they have at the moment.","start":1199.69,"end":1214.17,"sentiment":"neutral","sentiment_score":-0.011931322778210691}],"sentiment":"neutral","sentiment_score":-0.002884238710409248,"channel":0,"num_words":154,"start":1163.8251,"end":1214.17},{"sentences":[{"text":"So the accountant can work out which way actually provides them the better tax advantage when you do go to sell it.","start":1214.17,"end":1220.655,"sentiment":"neutral","sentiment_score":0.17337672429328616},{"text":"So","start":1220.655,"end":1221.155,"sentiment":"neutral","sentiment_score":-0.0083707794547081}],"sentiment":"neutral","sentiment_score":0.16547465891293858,"channel":0,"num_words":23,"start":1214.17,"end":1221.155},{"sentences":[{"text":"Okay.","start":1221.27,"end":1221.77,"sentiment":"neutral","sentiment_score":-0.0330750048160553}],"sentiment":"neutral","sentiment_score":-0.0330750048160553,"channel":1,"num_words":1,"start":1221.27,"end":1221.77},{"sentences":[{"text":"that's something we don't have on new on existing properties.","start":1221.4551,"end":1224.915,"sentiment":"neutral","sentiment_score":-0.19819452464580536},{"text":"As investors, if we buy an existing property, when we go to sell it, we can only use the 30% CGT rule.","start":1224.975,"end":1232.24,"sentiment":"neutral","sentiment_score":-0.06593630479818041},{"text":"And that sometimes provides a higher capital gain than the 50% discount would essentially.","start":1232.24,"end":1238.18,"sentiment":"neutral","sentiment_score":-0.04238287865051201}],"sentiment":"neutral","sentiment_score":-0.08751965767663458,"channel":0,"num_words":46,"start":1221.4551,"end":1238.18},{"sentences":[{"text":"Yes.","start":1239.285,"end":1239.785,"sentiment":"neutral","sentiment_score":0.04369598627090454},{"text":"Oh, yeah.","start":1240.085,"end":1240.645,"sentiment":"neutral","sentiment_score":0.023333757184445858},{"text":"Please giving us a","start":1240.645,"end":1242.1699,"sentiment":"neutral","sentiment_score":0.019406380597501993}],"sentiment":"neutral","sentiment_score":0.023998431861400604,"channel":1,"num_words":7,"start":1239.285,"end":1242.1699},{"sentences":[{"text":"Yeah.","start":1242.0801,"end":1242.5801,"sentiment":"neutral","sentiment_score":0.029980964958667755},{"text":"Yeah.","start":1244.625,"end":1245.125,"sentiment":"neutral","sentiment_score":0.04631974548101425},{"text":"Look.","start":1245.185,"end":1245.425,"sentiment":"neutral","sentiment_score":0.020887594670057297},{"text":"Honestly, I 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absolutely well, this is a general advice because it's it's I haven't sort of taken your goals or anything.","start":1246.9451,"end":1253.525,"sentiment":"neutral","sentiment_score":-0.09652089312672615},{"text":"But if it was me, I would be looking to look at a brand new build.","start":1253.665,"end":1257.265,"sentiment":"neutral","sentiment_score":-0.09029444772750139},{"text":"That way, I have more tax advantages.","start":1257.265,"end":1259.205,"sentiment":"neutral","sentiment_score":0.1266592549426215},{"text":"That way, I have the option of the 30% capital or the 50% discount method down the track.","start":1259.585,"end":1266.54,"sentiment":"neutral","sentiment_score":0.019071966409683228},{"text":"I would be looking to, as a high income earner, if possible, negatively gain a 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later.","start":1403.643,"end":1404.4429,"sentiment":"positive","sentiment_score":0.5697785417238871},{"text":"Bye.","start":1404.4429,"end":1404.9429,"sentiment":"neutral","sentiment_score":0.30742985010147095}],"sentiment":"positive","sentiment_score":0.543927264213562,"channel":0,"num_words":5,"start":1403.163,"end":1404.9429},{"sentences":[{"text":"Bye.","start":1404.6029,"end":1405.1029,"sentiment":"neutral","sentiment_score":-0.10242399573326112}],"sentiment":"neutral","sentiment_score":-0.10242399573326112,"channel":1,"num_words":1,"start":1404.6029,"end":1405.1029}]},"summary":{"result":"success","short":"A customer named Laura speaks with Dana from Financial about a property they have purchased, including a disaster and a dead-end date for a limited recourse borrowing team. The speaker discusses transferring funds from Superfast to SMSF and the risk of losing money if a loan is not completed before the specified date. The process of transferring funds from investment to cash is discussed, and the speaker suggests contacting their broker to find out what options are available. The speaker also emphasizes the importance of considering tax benefits when purchasing a new property and offers advice on making the best tax advantage possible."},"intents":{"segments":[{"text":"The guys have booked in for a bit of a catch up this afternoon. You had some questions about property?","start_word":23,"end_word":42,"intents":[{"intent":"Request property information","confidence_score":0.07569165}]},{"text":"So the question I would probably be looking to ask you guys is, Oh, is any of the options available to you?","start_word":620,"end_word":641,"intents":[{"intent":"Inquire about loan options","confidence_score":0.009615882}]},{"text":"Has the broker kinda given you any ideas there whether they can get a loan approved in that time frame or All he said was that we have enough money to be able not? to do it.","start_word":968,"end_word":1004,"intents":[{"intent":"Obtain loan approval","confidence_score":0.018646965}]},{"text":"would be asking the broker what what are the odds of getting a loan through because some mortgage brokers had actually stopped doing these sorts of lending a few weeks back.","start_word":1383,"end_word":1413,"intents":[{"intent":"Discuss options for a loan","confidence_score":0.0034360895}]},{"text":"They weren't able to get them through, and they actually stopped doing them around that early to mid July. So double check with your broker and find out if you're still doing that kind of a loan. What are the odds of getting a loan through in time for that?","start_word":1415,"end_word":1464,"intents":[{"intent":"Determine loan availability","confidence_score":0.00015821571}]},{"text":"Double check with your mortgage broker on that because to my understanding, the loan has to be sent through and approved.","start_word":1660,"end_word":1680,"intents":[{"intent":"Confirm loan approval","confidence_score":0.17667504}]},{"text":"Oh, for the I'm assuming for the original one, that would have been all approved and everything.","start_word":1786,"end_word":1802,"intents":[{"intent":"Determine loan approval","confidence_score":0.0010865403}]},{"text":"on that Wish one.","start_word":2254,"end_word":2257,"intents":[{"intent":"Decide","confidence_score":0.018896641}]},{"text":"Perfect.","start_word":2333,"end_word":2333,"intents":[{"intent":"Sell property","confidence_score":0.4432214}]},{"text":"We found a block of land that we like the look of. It's half an acre, which is around the $600,000 mark, and then we've been getting quotes Yep.","start_word":2334,"end_word":2362,"intents":[{"intent":"Get quotes","confidence_score":0.7565488}]},{"text":"to build a property on it, and it's going it's it's very expensive. So it's about Yeah. probably 500 for that. So it's gonna be a 1.1. Yes. Driveways, gardens, landscaping. We've gotta put static in. So it's $23 or something now. So it's probably gonna be 1.15 to, yeah, 1.2 maybe. Yeah. So quite expensive. Yes.","start_word":2364,"end_word":2420,"intents":[{"intent":"Obtain cost","confidence_score":0.00006232383}]},{"text":"And then we've got a rental appraisal that was about 700 to $7.50.","start_word":2421,"end_word":2433,"intents":[{"intent":"Request rental appraisal","confidence_score":0.0012846165}]},{"text":"And then, yeah, we would be able to find this as a as the new build with the tax deduction.","start_word":3111,"end_word":3130,"intents":[{"intent":"Discuss property properties with tax deduction","confidence_score":5.964758e-7}]},{"text":"And then, yeah, we would be able to find this as a as the new build with the tax deduction. But there's also a limit, Yeah.","start_word":3111,"end_word":3136,"intents":[{"intent":"Inquire about tax deduction and property limit","confidence_score":0.00006122262}]},{"text":"But there's also a limit, Yeah.","start_word":3131,"end_word":3136,"intents":[{"intent":"Identify tax deduction limits","confidence_score":0.00016625294}]},{"text":"But there's also a limit, Yeah. isn't it, they're not on two Yeah. properties?","start_word":3131,"end_word":3144,"intents":[{"intent":"Define property limits","confidence_score":0.0016645042}]},{"text":"Not to my understanding. There's no limit to that. You can have three, four, five properties. It's not a problem at all as long as you are buying a brand new property. Let me double Yeah.","start_word":3146,"end_word":3181,"intents":[{"intent":"Provide information about property ownership and use","confidence_score":0.0000019084425}]},{"text":"So a lot of money to consider. But when you think about that as opposed to buying an existing home somewhere else, a lot of the existing properties are still costing 1 to $2,000,000 to buy anyway.","start_word":3445,"end_word":3481,"intents":[{"intent":"Analyze property options and tax advantages","confidence_score":0.0012486374}]},{"text":"So I make sure my my what coming in income wise is less than what's going out to help kinda minimize tax and making sure that you can, you know, also get the accountant to do up a depreciation schedule for you so you can claim as much as you possibly can as well because, you know, you're in peak earning capacity, and a new build is by no means a bad thing.","start_word":3804,"end_word":3876,"intents":[{"intent":"Clarify income","confidence_score":0.25541794},{"intent":"Maximize tax","confidence_score":0.09019137},{"intent":"Get accountant","confidence_score":0.31432256},{"intent":"Obtain depreciation schedule","confidence_score":0.015864966}]},{"text":"you may as well, you know, give yourselves the best advantage you can and look at building a property and getting, you know, the most you can out of it. Yep. Yeah.","start_word":3899,"end_word":3930,"intents":[{"intent":"Build a property","confidence_score":0.024894213}]},{"text":"Do you have any other questions, Chris? I think that pretty much answered what I was thinking. Yeah. I was Yep.","start_word":3982,"end_word":4002,"intents":[{"intent":"Clarify questions","confidence_score":0.75157756}]},{"text":"I'll get in contact with the broker as soon as I Yes. get off the phone to you. And, yeah, I think that's definitely Yes. helped with the new build decision for there. Yes. So yeah.","start_word":4111,"end_word":4146,"intents":[{"intent":"Contact broker","confidence_score":0.32027015}]}]},"sentiments":{"segments":[{"text":"Hello. Laura speaking. Hi, Laura. It's Dana from Financial. How are you?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.11545483767986298},{"text":"I'm good, Dana. How are you? I'm very well. Thank you.","start_word":12,"end_word":22,"sentiment":"positive","sentiment_score":0.5063510537147522},{"text":"The guys have booked in for a bit of a catch up this afternoon. You had some questions about property? Yes. Yeah. So we've got two separate questions. The first one, I'll go the easier well, I don't know if they're easy questions. But anyway, the one to do with Superfast, I don't know if you remember me telling you that with our soup oh, well, sorry. It was actually Chris's paper. We had purchased we've set up a self managed super fund and had purchased a unit in Melbourne. Yeah.","start_word":23,"end_word":113,"sentiment":"neutral","sentiment_score":-0.016144026070833206},{"text":"That unit didn't end up going ahead, and it's in the court because it's something to do with the railway line. And it's just not getting built, and it's a bit of a disaster.","start_word":114,"end_word":147,"sentiment":"negative","sentiment_score":-0.5018435120582581},{"text":"The company that Yeah. we went through, like, the how would you call that company? The advisers, I suppose. Pick a Yeah. Sorry? step. Right. They have No. contacted No. You're right. Sorry. they've contacted us yesterday and said that it doesn't Yeah. sound like it'll be going out of the course anytime soon and that they are advising the other people who have put deposits down that they could go with another property Right. because we eventually would get our deposit back for this one. But we under what to so either wait for the sunset clause or someone else would buy the property off of us. Right. You know, the yeah. They would buy the property, and we would get the deposit back that way. The only Yes. thing is they've sent through other options, the other units available.","start_word":148,"end_word":288,"sentiment":"neutral","sentiment_score":-0.19458431005477905},{"text":"And at the moment, they just don't they don't look as good as this one, and it would mean that we'd be Mhmm. forking out more money out of our super to then build a unit and who knows how many years it'll take to get that other, deposit back.","start_word":289,"end_word":338,"sentiment":"negative","sentiment_score":-0.4398420751094818},{"text":"And we just don't know whether it's a Yeah. good idea to just wait and see what happens with the original unit. Yeah. Chris, do you wanna sit closer so you're not whispering, and I have to not try repeat? There's there's the changes there's the changes that the government's bringing in about borrowing Uh-huh. in self managed super. Yep. So if this current unit doesn't go ahead and get canned by the time we Mhmm. find Mhmm.","start_word":339,"end_word":416,"sentiment":"neutral","sentiment_score":-0.05236841365695},{"text":"that out, that we're gonna be past the date that these changes will be made, and then we won't be able to borrow, like, from the bank to get the unit built, and we'd have to, yeah, have all the funds sitting in our super to be able to buy the unit. So we miss out on that opportunity as well.","start_word":417,"end_word":477,"sentiment":"negative","sentiment_score":-0.37360990047454834},{"text":"Yeah. That's probably the biggest one they can say is how long is it gonna take for them to be able to, you know, go through the process? Because the cutoff point for borrowing under a limited recourse borrowing team is the the August 10. And, realistically, if you need to have the loan approved and have the purchase completed by that time, that is literally in about nine days' time. So it's very Where? close to the cutoff time. Yeah. Any loans that have not been approved in that time by that date, you can no longer, after that point, borrow in an SMSF for a residential property. The only way you would be able to borrow in a Safranite Superfund is to borrow for a commercial property, and there are a lot more of it associated with commercial properties there. So the question I would probably be looking to ask you guys is, Oh, is any of the options available to you? Is anything gonna happen before the tenth of they're August, or is everything basically gonna be done after that point? they're sending through these options as of yesterday. So I'm under the impression Yeah. that it would be able to get signed and done before that date. Yeah. The other thing is transferring funds from Superfund to the SMSF. When requests for rollovers are sent, funds have to be sold down, transfers have to have sort of happened. Everything needs to have happened before the August 10. So I just I'm not sure that you can kinda complete any lending obligations by that time. What sort of guarantees are they giving you guys if they can complete, you know, get these purchases sorted for you before that date? They hadn't even actually told us that date. So they never mentioned anything about it. They just said, oh, this is what we're telling all our other clients. Are you interested? And they pretty much just said speak to your broker and see if you can afford it. So this is our first time hearing it. Right. Yeah. Because that's one of the biggest things we have at the moment is we do have a couple of people who are trying to get into City Superfund over the last couple of months. It's kind of at that cutoff point now. But under the new government regulations, which were all kind of approved as of the June 26, if if you don't have a residential property like, if you don't have the loan sorted and approved before the tenth and the purchase completed by the August 10, they'll no longer allow be allowed to do that anymore for residential properties. So that might kind of move your options a little bit lower. Yeah.","start_word":478,"end_word":941,"sentiment":"neutral","sentiment_score":-0.16816066860638815},{"text":"It is a bit of a tough one because I don't know what the options are.","start_word":942,"end_word":957,"sentiment":"negative","sentiment_score":-0.39856261014938354},{"text":"And have you kind of spoken to brokers since then? Has the broker kinda given you any ideas there whether they can get a loan approved in that time frame or All he said was that we have enough money to be able not? to do it. So, again, he didn't make Right.","start_word":958,"end_word":1010,"sentiment":"neutral","sentiment_score":-0.22899651527404785},{"text":"any comment about this cutoff date.","start_word":1011,"end_word":1016,"sentiment":"negative","sentiment_score":-0.4096815884113312},{"text":"Yeah. That's interesting.","start_word":1017,"end_word":1019,"sentiment":"neutral","sentiment_score":-0.21840102970600128},{"text":"They definitely should have told you guys about that because that certainly does make limit your options.","start_word":1020,"end_word":1036,"sentiment":"negative","sentiment_score":-0.5977895259857178},{"text":"Yeah. And the other thing to consider is if you have to move more money over for settlement, when funds are rolled over or when the request through the SuperStream system is requested for funds to be rolled into an SMSF, your accountant or whoever's looking after yourself and the Superfund is required to submit that request. When it comes to super funds like industry funds and even have 24, they have to then sell down the investments to cash before they can move those funds over and roll them out. Realistically, a request for a rollover, a super fund legally has thirty days before they have to have actions that are expressed. So it does mean that they can take longer to do so. Some super funds will be able to roll, you know, 80% of the funds required over in a faster time frame, but to get the other 20%, they have to sell that down because when we when funds are sold from an investment to cash, essentially, the super fund or the investment has the, like, the investment platform has the request essentially from the market what the buy sell costs are so that they can allocate that when they're selling it down. The other side of it is depending on what you're selling down. I mean, with Hub twenty four, we don't normally have that much of an issue because everything we put you in is, like, ETF, so they can be sold very, very quickly. But Yeah.","start_word":1037,"end_word":1289,"sentiment":"neutral","sentiment_score":-0.14133964514308295},{"text":"some industry funds as well do have, like, unlisted investments, which can be hard to sell. If you're in anything speculative and that doesn't trade, it can be hard to sell, which can make that time frame sort of pushed out a little more.","start_word":1290,"end_word":1333,"sentiment":"negative","sentiment_score":-0.46081602573394775},{"text":"So what I would be probably suggesting you do at the moment is con find out what the options are. You're welcome to email them to me if you would like some a bit of a rundown on me to have a look at those for you. I Yes. would be asking the broker what what are the odds of getting a loan through because some mortgage brokers had actually stopped doing these sorts of lending a few weeks back.","start_word":1334,"end_word":1413,"sentiment":"neutral","sentiment_score":0.04735984653234482},{"text":"They weren't able to get them through, and they actually stopped doing them around that early to mid July.","start_word":1414,"end_word":1432,"sentiment":"negative","sentiment_score":-0.4522826671600342},{"text":"So double check with your broker and find out if you're still doing that kind of a loan. What are the odds of getting a loan through in time for that? The other side of it is if you decide to go with another property, finding out when settlement would be because settlement has to be before the tenth of essentially, before the August 10 to my understanding.","start_word":1433,"end_word":1500,"sentiment":"neutral","sentiment_score":-0.1788056641817093},{"text":"So I don't know if we can get those things through in time. It is cutting it very thin for you guys, and I'm sorry to add more pressure to you.","start_word":1501,"end_word":1531,"sentiment":"negative","sentiment_score":-0.5126829743385315},{"text":"It's not what That's you need alright. anyway, they perform. But I do feel like the other advisers then and your brokers should have let you know about these deadlines by now. Yes. Definitely. Because they were all put through, legislated as of the June 26. So so how does that work for our current one? Like, at the moment Yeah. So we paid a deposit. We've signed the contract, and they told us as long as you've Mhmm. got a signed contract in place, that that's what you need. There's nothing about everything had to be settled and done and after by the tenth as long as you had a signed contract that that was already in place before the changes, that that was the requirement. Yeah. Double check with your mortgage broker on that because to my understanding, the loan has to be sent through and approved. We've had a couple of clients who've been stressing to get their loan signed and, like, sorted before that point. So I would probably give your mortgage broker a call and get him to confirm that for you or them just to confirm that for you because, yes, in my understanding and everything I've been going on, basically means that the the loan has to be in and approved. Have you guys had finance or approved? It hasn't you just sort of said that you had they told you they could do it. They had actually put through the loan as such, have they? Oh, for the I'm assuming for the original one, that would have been all approved and everything. Because the only thing for the original one, what has happened is that the build had started, and then the build got stopped Yeah. because of the issue with the railway line underneath it. But, Yeah. like, again, that was, like, two years ago or something, so hence why we can't really remember because it was so long ago, and we've just been waiting for an answer ever since. Yeah. Yeah. Yeah. So I've got I I don't know. I can't remember. But I suppose So No. we That's yeah. okay. We had Yeah. we had to change over to Macquarie. They drew down our original full deposit, which we had to like, sorry, our deposit, but we ended up having to roll some back into super because the unit wasn't ready at that stage. So the the company that did our self managed super fund drew too much down. So then we ended up so I think all that part of it was good. But, yeah, obviously, nothing's been nothing's happened since, and we've just got our deposit being held up for two years now. Yeah. And is the deposit sitting in cash in the fund or anything like that, or was it actually paid to the company building the property? Yeah. So it's sitting in a trust fund somewhere. Yeah. Yeah. Wow. Yeah. So we don't Yeah. have it, I think which is the yeah. Yeah.","start_word":1532,"end_word":2039,"sentiment":"neutral","sentiment_score":-0.03399968359942042},{"text":"What I would probably worst part.","start_word":2040,"end_word":2045,"sentiment":"negative","sentiment_score":-0.35117247700691223},{"text":"do is because if you sort of did this about two years ago, if the loan was all done and done and ready to go, you'd signed contracts and the loan was put in place, you could find out you did that to fix your mortgage broker, find out if they can do up a new loan in time, if the loan was already set up and approved prior to it, what this means what these changes mean to you guys moving forward with this property. And then it's just about work working out whether you whether you wanna go ahead with it, whether this is the right thing for you or not, because the other side of it is how then do you pay the rest of the money that you have to pay, in time. And if it's something you need to roll out of another super fund that needs to be requested straight away, and even at this sort of a time frame, there's no guarantee that it will make it in time. Yep. Okay. So I suppose, yeah, we'll speak Yeah. to that broker So and then go for there for that one. yep. Okay. That's a little Sorry. make a quick decision Yeah. on that Wish one. I No. have That's better alright. news for you. Yeah. No. All good. So on our next one, we you know how Yeah. I spoke to you not that long ago and said that go show accountants had said that because we're at the six year mark for one of our properties, Mhmm. if we do Yep. we're to sell it now, we don't have to pay. So we've got that one up for sale.","start_word":2046,"end_word":2332,"sentiment":"neutral","sentiment_score":-0.02273245149321257},{"text":"Perfect.","start_word":2333,"end_word":2333,"sentiment":"positive","sentiment_score":0.5264195799827576},{"text":"We found a block of land that we like the look of. It's half an acre, which is around the $600,000 mark, and then we've been getting quotes Yep. Yep. to build a property on it, and it's going it's it's very expensive. So it's about Yeah. probably 500 for that. So it's gonna be a 1.1. Yes. Driveways, gardens, landscaping. We've gotta put static in. So it's $23 or something now. So it's probably gonna be 1.15 to, yeah, 1.2 maybe. Yeah. So quite expensive. Yes. And then we've got a rental appraisal that was about 700 to $7.50. And we just don't Yeah. know what exactly is that correct question, Chris, if this is a good idea. Well, yeah, basically. It's so in our eyes, it's a 2,005 current house that we've got.","start_word":2334,"end_word":2468,"sentiment":"neutral","sentiment_score":0.0013444712316548382},{"text":"There's nothing special about it. We don't think that it's an area that's gonna burn much more than what it has.","start_word":2469,"end_word":2489,"sentiment":"negative","sentiment_score":-0.534233033657074},{"text":"Got a lot of houses around Mhmm. it. It's only a 700 square meter block. Yes. It's no real wow factor. It's had a fairly Yes. big increase from when we bought it, so I think, like, potentially most of its heavy lifting's already happened. But we already got that one off. I also Yeah. know. Yeah. So we advertised it. And then is like a an area that is, you know, becoming more popular. And this block's walking distance to the beach, and it's 2,000 square meters. So it's half an acre block walking distance to the beach, Yep.","start_word":2490,"end_word":2589,"sentiment":"neutral","sentiment_score":0.18862907588481903},{"text":"which is probably appealing.","start_word":2590,"end_word":2593,"sentiment":"positive","sentiment_score":0.4611466825008392},{"text":"Yep. It Yeah. is yeah. It is just gonna be expensive, but obviously with with our other property sold, say we get 800,000, the loan to like, the the home loan ratio is gonna be pretty low. So we wouldn't be we wouldn't be repaying 1,200,000. We'd be, like, 350,000 or something. I think is that a question, though, Yeah. is Yeah. it is it too much to be spending for a rental property? I think. Is that sort of what we wanted to know, Chris? Like, we're gonna be outlying like, it is gonna be quite expensive, and then would you get Yeah. capital gains from that? Or, you know, the current property that we're selling is currently $600 a week rent. And to be spending this Yep. much money to build a new one, you're only getting possibly a 100 to a $150 more? Yeah. Understandable. Definitely. I mean, if you're going to look at this as an investment property, in order to sort of benefit from the changes because I don't know if anyone's kinda gone through the updated changes in CGT as well, But as of the same time that they put those changes in with the stuff and the super fund, they also put through CGT changes. So as an investor, if you're wanting to be able to look at utilizing an investment property for the purpose of, you know, negative negative Yeah.","start_word":2594,"end_word":2831,"sentiment":"neutral","sentiment_score":-0.043642004122253227},{"text":"gearing, being able to help kind of lower your overall tax. Buying a brand new property and building is the best way to go.","start_word":2832,"end_word":2855,"sentiment":"positive","sentiment_score":0.5046942830085754},{"text":"Yep. Moving forward, Yep. if you were to purchase, like, a preexisting home, they don't allow you to negatively get the property anymore, which means that every year, say, as an example, you would receive 20,000 in income from the property, and you spent had extended to a fee of, say, 40,000. When you go to do your tax return, you won't be able to claim the extra $220,000 back on your income to reduce your income. They will assume the property is being completely and mutually geared, and any losses that you accrue are are carried forward until you sell the property and then deduct it off the capital gain at the end of it. So if you are because you guys are still very high income earners, if you are wanting to access maybe negatively gearing, which could be an option, if the, you know, the rental appraisal comes back that the amount you're spending on the property when it comes to the interest on the loan, if you do gardens, if you have, you know, a a manager looking after the property, if you have all that expenditure outlay is more than what you're actually getting back in the way of income, in way of rental from the property, then it'll be negligible. And Yep. they Yep. That was something we having did a brand new prop sorry. yeah. I just Sorry. that was that was another consideration that we did have getting rid of the older property because of the dangers. And then, yeah, we would be able to find this as a as the new build with the tax deduction. But there's also a limit, Yeah. isn't it, they're not on two Yeah. properties? No. Not to my understanding. There's no limit to that. You can have three, four, five properties. It's not a problem at all as long as you are buying a brand new property. Let me double Yeah. check to make sure that hasn't changed in my eyes because, yeah, I went through and pulled the legislation apart the other week and read through all the changes, and it doesn't say anywhere that there's a limit on on the property on the amount of properties that you can have. Yep. Okay. That's good. Yeah. So that was yeah. It was another one of our considerations of getting rid of that other one, but I was hoping to probably do the changeover with about a couple of 100,000, not 350. Yeah. No. Understandable. I mean, it is a lot of money to spend on a property. Yeah. So I just double checked. It says here under the new tax forms, there is no specific number. There's no specific limit to the number of properties or eligible new bills that you can negatively get. You can have two, three, five, ten properties if you like to. Yep. The main sort of benefit to doing it is that you're you're building a property, which can then be rented out by other people who can't afford to get into the market. So you're essentially adding to the amount of housing that is available for people to live in, and that's essentially what you do need to be able to consider. If you're selling the property for about 800,000 because it was your main primary residence, and as they said, you've got that main residence exemption there, not having to pay CGT the benefit to you and then, obviously, building the property up from scratch. So a lot of money to consider. But when you think about that as opposed to buying an existing home somewhere else, a lot of the existing properties are still costing 1 to $2,000,000 to buy anyway. So, I mean, you're probably spending about the same as what you would if you're buying a brand new property. I'm not sure where else you'd probably looking at, but all the properties that I sort of, you know, see here in Queensland on the Gold Coast in Northern New South Wales, there's not much going for less than 900,000 to $1,000,000. So I think if you're going to buy an investment property, giving yourself the best possible tax advantages is one thing. So being able to negatively get a property in the future is a benefit to you because you guys are very much high income earners. The other side of it is if you then sell the property down the track, because it's a brand new deal, you get to choose between the 50% discount we used to have access to versus the 30% new rule that they have at the moment. So the accountant can work out which way actually provides them the better tax advantage when you do go to sell it. So Okay. that's something we don't have on new on existing properties. As investors, if we buy an existing property, when we go to sell it, we can only use the 30% CGT rule. And that sometimes provides a higher capital gain than the 50% discount would essentially. Yes. Oh, yeah. Please giving us a Yeah. Yeah. Look. Honestly, I would go be ahead. if it was me, I would absolutely well, this is a general advice because it's it's I haven't sort of taken your goals or anything. But if it was me, I would be looking to look at a brand new build. That way, I have more tax advantages. That way, I have the option of the 30% capital or the 50% discount method down the track.","start_word":2856,"end_word":3786,"sentiment":"neutral","sentiment_score":-0.004469205130183735},{"text":"I would be looking to, as a high income earner, if possible, negatively gain a property.","start_word":3787,"end_word":3802,"sentiment":"negative","sentiment_score":-0.4557928442955017},{"text":"So I make sure my my what coming in income wise is less than what's going out to help kinda minimize tax and making sure that you can, you know, also get the accountant to do up a depreciation schedule for you so you can claim as much as you possibly can as well because, you know, you're in peak earning capacity, and a new build is by no means a bad thing. And, realistically, if you're gonna buy a preexisting home, as I said before, you're probably gonna send send just as much. So Mhmm. you may as well, you know, give yourselves the best advantage you can and look at building a property and getting, you know, the most you can out of it. Yep. Yeah. I do agree with what you said because I did look up a house today that my parents used to own, and it is now sitting at the $1,000,000 mark. And I was like, what? Yeah. So, yeah, what you're saying is correct. Mhmm. Crazy. Yeah. It is Yes. crazy. Definitely. Do you have any other questions, Chris? I think that pretty much answered what I was thinking. Yeah. I was Yep. just That's all good. Yeah. Yeah. Yeah. No. No question? No. I don't think so. That was the main questions. Yeah. Yeah. That's okay. Cool.","start_word":3803,"end_word":4027,"sentiment":"neutral","sentiment_score":0.10208830237388612},{"text":"Alright. That's Awesome. all good.","start_word":4028,"end_word":4032,"sentiment":"positive","sentiment_score":0.4875469207763672},{"text":"Have I is has anything kinda come up further that you need to clarify a bit more? Like, you're welcome to email me. If anything else comes up, it's not a problem at all. But have I kind of given you a bit of clarity in sort of what you were after and answered those questions that you as much as the SMSF one is hard hard to Yeah. answer right now. Sorry. That no. That's probably fine. I'll get in contact with the broker as soon as I Yes. get off the phone to you. And, yeah, I think that's definitely Yes. helped with the new build decision for there. Yes. So yeah. No. I Yes. can't think of anything. Yeah. But if we do think of anything, I'll definitely shoot you an email. Yeah. Absolutely. Give me a call. Shoot me an email.","start_word":4033,"end_word":4177,"sentiment":"neutral","sentiment_score":0.07899527950533505},{"text":"Not a problem at all. I'll do everything I can to help. Easy. Awesome.","start_word":4178,"end_word":4191,"sentiment":"positive","sentiment_score":0.4667611122131348},{"text":"And, yeah, it's a mortgage broker says, you know, depending on what he says, we'll kind of help you to make up make up your decision on what you're gonna do with the SMS as profit as Yep. well. So Yeah. yeah.","start_word":4192,"end_word":4233,"sentiment":"neutral","sentiment_score":0.2359939217567444},{"text":"Cool.","start_word":4234,"end_word":4234,"sentiment":"positive","sentiment_score":0.39832884073257446},{"text":"Okay.","start_word":4235,"end_word":4235,"sentiment":"neutral","sentiment_score":0.2593657672405243},{"text":"Alright. Awesome. Thank you so much for your help. We All so good. appreciate it. No worries at all, Laurie. You guys have a good day. You too. Thanks, Anna. Thanks. See you later.","start_word":4236,"end_word":4269,"sentiment":"positive","sentiment_score":0.7030724883079529},{"text":"Bye. Bye.","start_word":4270,"end_word":4271,"sentiment":"neutral","sentiment_score":0.270801305770874}],"average":{"sentiment":"neutral","sentiment_score":-0.05052413659691497}}}}