property mortgage finance money

What’s happening to mortgage buffers and net debt

One senses that the Reserve Bank of Australia (RBA) has been itching to do a piece on the increase in mortgage buffers and offset accounts, and it grasped the opportunity in the third quarter’s Bulletin.  Since the mid 2000s relatively slower growth in household debt and increases in interest-earning deposit balances (including balances held in…

income inequality

Shadow banking increases the risk of another global financial crisis

The financial products offered by the shadow banking sector allow investors to be further removed from their investments and banks to escape regulation, increasing the risk in the sector overall. Necmi K Avkiran, The University of Queensland Banks may still be evading increased regulation by shifting activities to shadow banking.  This system is well established…

Builder and couple at new home under construction

Property development guide part 15 – Do you need a project manager?

In his continuing series of articles, Bryce Yardney, Property Development Specialist at Metropole, explains the role of a project manager and helps you decide whether or not it is the right choice for your development project. If you are a beginning property developer I would definitely suggest that you recruit a good development/project manager as a part of your…


As temperatures rose this weekend, so did auction results

Based on preliminary results, the combined capital city clearance rate rose this week, from 75.4 per cent last week to 77.9 per cent. This week, the clearance rate across the capitals is higher than one year ago, when 69.9 per cent of reported capital city auctions cleared.  There were 2,093 capital city auctions held over…

apartment city property investment

Five facts on commercial property depreciation

What commercial property investors should consider  Commercial property owners are often unaware they are entitled to make a claim for property depreciation. Around 80 per cent of investors don’t take advantage of property depreciation and therefore miss out on thousands of dollars. For commercial property owners, claiming depreciation is paramount as these deductions could provide…

foreign investor property

Investors are re-entering the housing market but should do so with caution

At the end of 2014, the Australian Prudential Regulation Authority (APRA) wrote to mortgage lenders reinforcing what they saw as sound mortgage lending practices.  The key points from that letter were that serviceability policy limits should be based on mortgage rates at least 2% above the product loan rate with a minimum floor assessment of…

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