Articles by Stuart Wemyss

Stuartwemyss

Stuart was a Chartered Accountant before establishing mortgage broking firm ProSolution Private Clients. He has authored two books and shares his experience with readers of Property Update. Visit www.prosolution.com.au

Borrowing capacity has probably never been tighter in the 20 years since I started ProSolution! This is delaying investment plans for some clients. However, I expect this to be temporary and an easing in borrowing capacity might not be too far away. How borrowing capacity rules have changed over recent years In 2019, the banking…

A Goldilocks investment strategy means that you are making the most of your financial opportunities without overdoing it and taking unnecessary risks. That is, your level of investing is exactly right (i.e., perfectly balanced). Underinvesting means that you risk not having enough investment assets to enjoy a comfortable retirement. Overinvesting means that you have taken…

Many lenders are taking a number of weeks (sometimes months) to approve loans at the moment. These delays have been caused mainly by significantly higher mortgage application volumes and the operational disruption from onshoring back-office services due to Covid lockdowns in the Philippines and India. As such, banks are prioritising applications for borrowers that have…

In mid-2021, I wrote this blog: “Don’t buy a property in this market…” because, at that time, many property buyers were over-paying for a property just to get into the market. I call it the FOMO premium, for lack of a better term (more about this below). My thesis was that since it’s never wise to allow…

Even though it’s compulsory to invest money in superannuation, many people do not understand their options once they retire. This blog provides a summary. However, of course, everyone’s situation is different. Some super funds have different rules and there may be exceptions to some rules, so it’s important you receive personalised advice from an independent…

If Australia slips into a recession, it will most likely be the RBA’s fault. It has completely botched the management of interest rates to the detriment of borrowers, the economy, and the bond market. Here’s why… In its defence Firstly, in the RBA’s defence, it has been navigating uncharted territory over the past 2.5 years….

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