Use our articles from Australia’s leading property finance strategists as your guide – from understanding negative gearing to smart finance structures plus lots more.
So here we go again, the talk of more interest rate cuts. Well who thinks cutting interest rates from 0.25% to 0.1% or even zero will have an impact on our economy? Exactly, it will have no net benefit to hundreds of thousands of Australians with a mortgage as we deal with the current and…
According to the ABS, the number of people refinancing their mortgage increased by over 63% in the year to May 2020. Quite often people think the only reason to refinance is to obtain a lower interest rate. However, this thinking is incorrect. Typically, you don’t need to refinance to obtain a lower interest rate (more about…
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…
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…
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…
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…
The end of the financial year has now come and gone but investors still need to plan for the year ahead. Some investors look forward to this, while others try to ignore it for as long as possible. Why is that? In my experience, those investors who file their tax returns sooner rather than later…
Many of the property investors I speak with are often confused about the differences between Line of Credit facilities and Offset Accounts. Understanding how these two types of loan related products can function will help determine the best fit for your property investment strategy. What is a Line of Credit? A Line of Credit (often abbreviated to ‘LOC’) is…
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…
Currently we are all facing a time of uncertainty which seems to be changing daily. Please, as a first priority, do what the government(s) are asking and either stay home or maintain your social distancing – this is a health crisis first and foremost that is creating the economic crisis. There are, however a few…
