Use our articles from Australia’s leading property finance strategists as your guide – from understanding negative gearing to smart finance structures plus lots more.
Property investment is all about understanding the best strategies for you to achieve your financial goals and then researching the market for suitable properties to implement your strategy. But some investors get into trouble because they decide to go against their own due diligence or ignore their budget entirely. While the development of a sound…
When it comes time to buy an investment property, there’s a minefield of decisions and processes to navigate. It can seem time-consuming and complicated, which is one of the reasons why people delay investing in property in the first place – because they can’t find the time to make the right decisions from the outset….
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,…
Auction clearance rates are falling, sales volumes slowing, and prices are coming off the boil in the formerly red hot markets of Sydney and Melbourne. This is bad news for State Governments who have increasingly relied on property taxes to fund a growing list of infrastructure promises from transport to schools to hospitals. It could…
Does the idea of buying commercial property instead of renting your current business premises appeal to you? Or are you undecided whether to purchase a commercial investment over a residential property for your portfolio? It can be hard to understand the tax depreciation allowances that are available for investors of commercial property over those found…
What are the common finance mistakes property investors make? Yesterday I outlined the first five finance mistakes to avoid when structuring your finance, whether you’re a home buyer or property investor. I explained that the mortgage product you end up with can mean the difference between building a lucrative, wealth generating property portfolio and never progressing…
Another scary headline in the news this week: Nearly one million mortgage holders experiencing “mortgage stress” But when you read more into the stats, things aren’t nearly as bad as they may seem. Over the last 12 months there has been a decrease in the estimated number of mortgage holders considered to be ‘At Risk’ and…
At first glance, this seems like a reasonable question and it’s one we’re asked by residential investors and commercial clients all the time. I’ve written on this topic before but I’m sure in my usual style I went into too much detail and tangential metaphors. Let’s make it very simple in the following example. Say…
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…
As the saying goes, if you’re standing still, you’re going backwards. Up until 6 months ago, deciding on P&I or IO repayments was easy, as the interest rate was the same for either, and the repayment type didn’t impact your borrowing capacity. Today, it’s a very different story. Let me explain. A couple of months back I…
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