Many people have a dream of paying off the mortgage on their home. A house payment is the biggest expense for most people and not having a house payment would seem to provide security. There are many things home owners need to know about paying off their mortgage and how it will affect them financially. [...]
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 [...]
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. [...]
Choosing which type of property to invest in depends on your available capital, your risk appetite and your income and cash flow requirements. Types of property The four main market segments are industrial, retail, office (these are all commercial properties) and residential. Industrial property Industrial properties include distribution, manufacturing or warehouse facilities. There are three [...]
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, [...]
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 [...]
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 [...]
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Quisque ligulas ipsum, euismod atras vulputate iltricies etri elit. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Nulla nunc dui, tristique in semper vel, congue sed ligula. Nam dolor ligula, faucibus id sodales in, auctor fringilla libero. Pellentesque pellentesque tempor tellus eget hendrerit. Morbi id aliquam ligula. Aliquam id dui [...]
Quisque ligulas ipsum, euismod atras vulputate iltricies etri elit. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Nulla nunc dui, tristique in semper vel, congue sed ligula. Nam dolor ligula, faucibus id sodales in, auctor fringilla libero. Pellentesque pellentesque tempor tellus eget hendrerit. Morbi id aliquam ligula. Aliquam id dui [...]
