Use our articles from Australia’s leading property finance strategists as your guide – from understanding negative gearing to smart finance structures plus lots more.
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…
In the fifth instalment of his series on property development Bryce Yardney, property development Specialist at Metropole Properties explains in detail how to secure funding for your real estate development project. Before you commence any development project, it is obviously crucial to first establish how much you can borrow and how you will be able to manage all…
Last year new laws have been enacted to deny deductions for depreciation for “previously used” depreciating assets related to the use of residential investment properties. In simple terms, for affected taxpayers, from 1 July 2017, depreciation deductions for items of plant and equipment (e.g. dishwashers, ceiling fans, carpet, and hot water systems) in residential investment…
Mixed messages from lenders are creating opportunities for cash-up investors looking to the long term. While some lenders are increasing interest rates, others are discounting them and offering cashback incentives. Adding to the confusion is NAB’s decision to place their rates on hold which is completely at odds with the other three major banks which…
Housing affordability is the current topic of conversation at dinner tables across the Australia. And for families with Gen Y children, in particular, it’s probably a discussion based around how they’ll struggle to ever buy their own home. For those in Sydney and Melbourne, there’s no denying it has become a lot harder to…
They say blood is thicker than water but when it comes to distributing your wealth, human instinct can take on a darker side because money is involved. People often feel vulnerable when contemplating their death, but this is no excuse to not have a Will. It’s vital that you receive legal advice when preparing your…
Not too long ago, savvy homeowners would’ve included their bank manager on their annual Christmas card lists. The name probably would’ve sat quite near the top. In fact, they might’ve even sent a present. Maintaining a relationship with the person who ran your local branch was seen as being just as important as knowing an…
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