Design a portfolio that can weather the inevitable storms
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It sound like we’re in for some interesting times in property over the next year or two. While I know this is worrying some beginning investors, others who’ve invested over a number of cycles can see familiar patterns emerging. You see…if you’re hoping to gain financial freedom through property your investment journey is likely to be…

5 Tips For A Feud-Free Family Investment
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Have you considered investing with family members? As they say… Blood is thicker than water, but sadly, bad business can break families apart overnight. Co-investing with family is no exception. It has the power to thrive, or the power to destroy – and the key is all in the foundation you start from. Common family…

APRA shifts its focus [Video]
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Transcript: It appears APRA is turning to the banks and warning them that they have fallen well short of expectations regarding portfolio controls for commercial property. APRA has said:  “Justifying lending decisions on the basis of ‘long-standing relationship’ or ‘good track record’ are insufficient, by themselves, to mitigate higher risk characteristics such as higher leverage…

Australians are working longer so they can pay off their mortgage debt
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Research finds higher levels of housing debt among pre-retirees are linked to them working for longer, writes… Rachel Ong, Curtin University; Gavin Wood, RMIT University; Kadir Atalay, University of Sydney, and Melek Cigdem-Bayram, RMIT University Rising mortgage debt is affecting everything from employment to spending, as Australians approach retirement, our study finds.  Higher levels of…

APRA want you to go on a debt diet
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APRA wants you to go on a debt diet and it seems to be getting its way… National Australia Bank has followed Westpac and ANZ, hiking rates for mortgage holders making interest-only repayments, while reducing rates for owner-occupier customers paying off their loan.  Investors and owner occupiers who opt for interest-only will have to stump up an extra $102…

Fewer buyers results in greater months of supply
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Research on the amount of housing stock available across Australia’s capital cities shows that, in some cities, stock levels are outstripping demand. Based on advertised stock levels across Australia’s capital cities, the relationship between demonstrated housing demand and advertised stock levels is telling us that more stock is available for sale compared to demand. Looking…

Budget needs a sharper policy scalpel to help first home buyers
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The budget acknowledges the crisis of affordability for first home buyers, but fails to do enough about demand pressures on prices to put home ownership back within their reach, writes… Rachel Ong, Curtin University In its 2017 budget, the federal government repeatedly stated its preference for a “scalpel” rather than a “chainsaw” or “sledgehammer” approach…

RBA Survey: Cash rate to halt, while loan sizes set to soar this mortgage season
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While a rate change is highly unlikely at tomorrow’s Reserve Bank board meeting (Tuesday 6 September, 2016), home loan sizes are expected to soar this mortgage season, with borrowers looking to take advantage of a historically low-interest rate market, according to finder.com.au, Australia’s most visited comparison website.  All 38 economists and experts surveyed last week…

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