Use our articles from Australia’s leading property finance strategists as your guide – from understanding negative gearing to smart finance structures plus lots more.
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…
Once you have bought your home, there are ways that you can minimise the interest you pay over the life of the loan. This can include making additional lump payments or repaying the loan fortnightly instead of monthly. One of the most popular ways, however, is to establish a mortgage offset account, which will reduce…
To sabotage means to deliberately destroy, damage or obstruct something. No one wants to do that when it comes to their finances, do they? But the reality is that many people do without even realising it. How do they do that? For starters, they have too much bad debt when they’re applying to borrow good…
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…
With significant volatility in the world’s share market and an uncertain future coupled with the costs of having an industry or retail superannuation account more and more Australians are wanting to take control of their superannuation. This decision is primarily driven by costs and the ability to more directly control asset choice. Since 2007 the…
I wish I could start the year with good news, but it seems that the economic clouds are gathering, and the resultant storm may well be on the horizon. Why? Well still to this day APRA (Australian Prudential Regulatory Authority) have never articulated their intentions of what they were hoping to achieve so we still…
![7 tips to make yourself more attractive to the banks in this tougher lending environment [THINK TANK]](https://puassets.s3.amazonaws.com/wp-content/uploads/2018/12/rich-270x200.jpg "7 tips to make yourself more attractive to the banks in this tougher lending environment [THINK TANK]")
It’s no big secret that it’s harder to get a loan today. And by now you’ve heard me say property investment is a game of finance with some houses thrown in the middle. So if you have any interest in property at all, whether as an investor or homeowner then this chat I have with…
More and more sophisticated investors are considering commercial real estate as a viable investment strategy. They have usually built a substantial asset base and are now looking for more cash flow in their investments. Often, they buy smaller properties – such as a shop, strata office or perhaps an industrial warehouse – because the entry level…
So you’re ready to start a family, or you have a baby on the way already, but you’re also thinking about your future financial security. First of all, congratulations! What an exciting time in your life, but it can be a daunting one also. These new plans might be making you rethink where you should…
Lines of credit on home loans have been around for a while now and are not a new product in the mortgage marketplace. However, the problem is that it can be tempting for borrowers to use them as a cash machine that they never have to repay. So what is a line of credit and…
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