Being an Investor and Having a Life

Investing in real estate and being able to afford a decent quality of life: it’s the ultimate goal, right? I know that to many people reading this, the two concepts may seem mutually exclusive. But that’s only true if you’re going about property investing all wrong – and sadly I have to say, most Australians [...]

How intelligent investors take advantage of offset accounts and interest-only loans

Interest-only home loans with an offset facility can be attractive for investors as it allows you to reduce your monthly repayments, minimise your non-deductible debt (and increase your deductible debt), and secure a good return (capital gain) if you purchase a principal place of residence (PPR) and then convert your home into an investment property. [...]

Fixed, variable, split – find the right fit for you

In Australia, there are a number of ways to structure your home loan repayments. Finding the best option may save you time and money on your mortgage. Here is some information to help you choose the repayment structure that works best for you. Variable rate loans Variable interest rate loans are all about flexibility. Essentially, [...]

What acquisitions should you make?

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5-reasons-why-refinancing-could-be-the-smartest-option-for-aussies

  In my many years of mortgage broking, I’ve never seen an easier way to save money than loan refinancing. If you’ve ever considered refinancing your home loan, now is the time to act before interest rates start climbing back up. Although most Aussie homeowners are motivated by lower interest rates, I could tell you [...]

The ins and outs of debt consolidation

LIf you have a mortgage and a credit card or personal loan, it’s almost certain that you are paying too much interest. Also, as interest rates are likely to continue to rise, you might begin to feel the pinch a little more from that Christmas splurge and burgeoning credit card payments.  The good news is [...]