Use our articles from Australia’s leading property finance strategists as your guide – from understanding negative gearing to smart finance structures plus lots more.
The overall downtrend in our property markets is becoming more evident. Decreasing affordability in our 2 big capitals, a significant rise in fixed mortgage rates, rising variable rates, uncertainty about inflation and the media full of stories of real estate Armageddon have dampened buyer enthusiasm. And vendors are becoming more nervous, with fewer properties coming…
Essential workers in New South Wales, including teachers, nurses, and police officers, will be helped to buy a home under a new government housing scheme. Premier Dominic Perrottet announced a new $780.4 million shared equity scheme on Sunday which would see the government contribute an equity share of up to 40% for a new property…
As an investment property owner of around 15 years, I’ve been hit with just about every property tax and expense that you can think of. Hot water systems suddenly stop working. Air-conditioning units and dishwashers that no longer turn on. I once received a sky-high water bill that prompted me to do some digging -…
More than half of Australian mortgage holders who took out a new home loan with one of the major banks lied about their circumstances to make sure their loan was approved, shocking new research has revealed. The survey, conducted by UBS, revealed that 55% of Aussies who took out a home loan with ANZ in…
Protecting your hard earned assets is increasingly becoming a common concern especially with the increasingly number of frivolous claims. For centuries people have used trusts to hold assets so as to protect them and to increase their flexibility. Protecting assets with a trust A trust is useful in this regard as the individual does not…
Are you a sucker for a juicy, clickbait headline like me? Maybe like the one I have just used… A promise of endless cash flow would have to be the fakest headline in property investment advertising. It is the bait that lures you in, in the hope that you are snapped up by the salesperson….
Let’s start with some numbers. There were 717,000 new home loans across Australia over the last twelve months. This excludes refinancing. This is up by 31% from the year before. Around half of these loans were to owner residents who have bought a dwelling in the past. These borrowers are what the real estate industry…
Would you want to own a house with the Government? The Federal Opposition has announced that, if elected, it will help more low- to middle-income earners onto the property ladder by buying a stake in their new home. Under the ‘Help to Buy’ scheme, the government would assist people earning less than $90,000 a year…
What happens if interest rates rise, and how does one strategize…? In terms of the expectations of some of Australia’s most respected interest rate commentators, they generally see higher interest rates moving forward, but not quite as high as the market is currently pricing. For example last week Westpac’s Bill Evans revised the bank’s projections…
Paying Capital Gains Tax (CGT) isn’t necessarily a bad thing because it means that you have sold an asset and made a profit, which is better than a loss, of course. That said, I’m certain that most people would prefer to pay less tax, not more. Therefore, it’s important to understand the ins and outs…
