Andrew is a leading finance strategist who holds a Diploma of Financial Planning (Financial Services). With over 27 years of experience in finance, Andrew has been acknowledged by the mortgage industry with multiple awards.Visit www.intuitivefinance.com.au
Most people struggle to fit everything in to the time we have available to us each day. In fact, there are plenty of inventions that have promised to give us more time with our families by automating or simplifying tasks and decision-making. Unfortunately, when it comes to finance, this mindset has resulted in the creation…
One thing we love most about our profession as mortgage brokers is assisting our clients in achieving their financial dreams. We know that for many of you, buying your first home may be the biggest financial decision and commitment you ever make. However, for some First Home Buyers, the whispers and stories they hear about…
When you look at auction clearance rates across Australia, speak to builders and real estate agents, it’s clear that the market generally has softened. Of course, finance is the key fundamental that underpins all of the property market. And the latest finance data makes for sobering reading. According to St. George Bank, consumer lending, month…
Here’s a number for you — 10,950. Ten thousand, nine hundred and fifty. That’s how many days a first-time property buyer will have to scrimp and save for a 20 per cent deposit for a property in Sydney. Not the purchase price — the deposit. Thirty long, hard years. If you ever want to take that first step on…
Buying your first home is a rite of passage for most young Australians. Having a place to call our own is a key part of our psyche so it’s little surprise that first homebuyers are prepared to put in the hard financial yards to turn that dream into a reality. Buying your first home can…
A property transaction is like a big machine, with many moving parts that do different things but should each spin in harmony to get the job done. There’s the real estate agent, responsible for handling the sale of the property. Sometimes there’s a buyer’s agent, who represents the person buying the property. There are lawyers…
The first time you do anything can be challenging — riding a bike, learning to drive or speaking in front of a crowd. It’s new, unfamiliar and requires a certain element of previous knowledge. Sometimes you can fluke it but often times you’re best to start small and work your way up over time. Training…
When it comes to property investing, quite often there’s no reward — or usually no big reward in any case — without a little bit of risk. Similarly, there’s almost always no reward without a heavy dose of reality. And that reality comes in the form of the tax department. In the dizzying high of an investment…
The thing about property investing is that eventually you, or your beneficiaries if you hold for the extremely long-term, will likely have to pay Capital Gains Tax (CGT). This is the time when the Federal Government gets their share of the profit that you’ve made from investing in property as it’s technically classed as…
It almost seems that every day brings with it new lending policies, doesn’t it? Interest rates are changed for investors and interest-only lenders, while loan to value ratios seems to be more fluid than a retreating tide. While it can be difficult to understand the current lending landscape, that doesn’t mean that finance is not…
Copyright © Michael Yardney's Property Investment Update | Important Information
