Use our articles from Australia’s leading property finance strategists as your guide – from understanding negative gearing to smart finance structures plus lots more.
While many Australians get into real estate investment to gain cash flow, in reality that’s not how property works. You see…residential real estate is a high growth, but relatively low yield investment, so if you’re hoping to pay your child’s school fees or your vacation airfares from your rental returns, you’ll be sorely disappointed. Of…
We’re not taught much about money and finance at school are we? So when you start hunting down a loan for your new home or investment property you’ll probably come across some industry-speak and terms you’re not familiar with. So here’s a few you should know: 1. Interest only or Principle and interest When…
What is a mortgage offset account and how can it benefit property investors? With all the different mortgage options available and the mortgage offset account often touted as a major feature of the loan, it pays to know how to use it to save money and get ahead on your mortgage repayments. Mortgage offset…
Property investment is one of best wealth creation strategies out there. In part because it has a long history of solid performance, so is therefore relatively low risk. It’s important to understand, however, that it is not completely without risk. That’s because every investment opportunity has an element of risk. The trick is to manage…
More and more Australian property investors are moving into advanced strategies such as small property development as a way to grow their wealth. Of course, property development brings with it more potential financial rewards than traditional property investment, but it is not without it risks as well. There a number of factors that you must…
Capital Gains Tax or CGT is never far from the headlines when there is a Federal Election looming. And this year is no different. So, it seems perfect timing to dive deeper into CGT so everyone has a better understanding of what it is and how you can minimise its impact on your wealth creation…
We’ve all heard that APRA’s restriction has caused the banks to tighten the screws and make it harder for many investors to get a new loan or refinance their existing loans. But the availability finance is the lifeblood of every property investor, giving them the means to leverage into real estate with other people’s money…
Do you have a principle and interest home loan? Well if so read on as this tip could save you a fortune over the years. It’s a method to best manage your home loan repayments in order to save not only interest, but years on the life of a standard, variable rate home loan. While most…
Family trusts can be a powerful tool for a variety of wealth creation and protection reasons. These include building wealth, protecting assets, generating improved cash flows, managing distributions to family members, creating flexibility as well as assisting with estate planning. But like all good things, there can be a downside, too. Unfortunately, if incorrectly used,…
Many homebuyers are, not surprisingly, happy couples looking to fly the old family nest and establish their own, new residence. Without second thought, they go through the motions of acquiring said house in their blissful state of togetherness; often putting both names to the mortgage contract. But there are some important considerations when it comes…
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