"Please read a selection of the recent articles we have written"

Please note that some articles do not scan very well. In addition, we try to keep file sizes small so that they are quick to download which affects the quality of the scan. If you are interested in any articles we would be happy to mail you a hard copy. Just send us an email.

Many of our articles have been published in Australian Property Investor magazine. This magazine is a great resource for anyone that is interested in property. For more information visit their website at www.apimagazine.com.au.

All articles are saved as Acrobat Version 5.0 (or later) files.

Rent or Buy? An investors viewpoint

Rent versus buying has debated ad nauseam. However, there are some considerations that are specific to investors which are probably not considered by many people. I take a fresh approach to this old question.

Published: © Australian Property Investor magazine. Reproduced with permission. - February 2007

401 kb Approx. 0:52 minutes @ 56kbps

Making Applications a Breeze

The article provides borrowers with some inside tips and tricks about how to get your loan applications approved without any problems. After many years of dealing with the banks I have learnt a trick or too.

Published: © Australian Property Investor magazine. Reproduced with permission. - December 2006

284 kb Approx. 0:36 minutes @ 56kbps

Battling Bank Valuations!

Bank valuations play a critical role in the wealth building process. They can often cause frustration, as a low valuation could retard your ability to add to your investment property portfolio. Having a good understanding of the valuation process could be your best ammunition, as there are things you can do to minimise the risk of a low valuation.

Published: © Australian Property Investor magazine. Reproduced with permission. - September 2006

50 kb Approx. 0:06 minutes @ 56kbps

Cross-securitisation: Don't get locked in!

Cross-securitisation is often described as insidious. Insidious is defined as "developing so gradually as to be well established before becoming apparent". In simple terms, the detrimental effects of cross-securitisation are not often felt (or identifiable) until it's too late. Read this article to learn more.

Published: © Australian Property Investor magazine. Reproduced with permission. - July 2006

64 kb Approx. 0:08 minutes @ 56kbps

Are You Being Served?

This article discusses the service platforms/ relationships that the major lenders offer (e.g. personal bankers) and provide some advice about how to get better service from your bank.

Published: © Australian Property Investor magazine. Reproduced with permission. - January 2006

64 kb Approx. 0:08 minutes @ 56kbps

Create wealth by magnifying your returns

This article discusses the pros and cons of borrowing money to invest in property and/or shares

Published: Australian Legal Business - October 2005 (issue 3.10)

118 kb Approx. 0:16 minutes @ 56kbps

Save your way out of the deposit doldrums

This article is written by Bronwyn Davis. She interviews Stuart Wemyss from ProSolution about the top tips for saving your deposit and what the banks look for.

Published: Your Mortgage Magazine - October 2005

737 kb Approx. 1:42 minutes @ 56kbps

Trading Places - To Sell or Not To Sell

This article discusses the pros and cons of selling or renting out your existing property (home) when you decide to upgrade and buy a new home.

Published: © Australian Property Investor magazine. Reproduced with permission. - September 2005

69 kb Approx. 0:09 minutes @ 56kbps

Structuring for the future - Part 3 (Companies & Trusts)

This article follows on from Part 1 (published in Feb/Mar 2004) and Part 2 (below) and discusses how to structure your loans when company and trusts are involved.

Published: © Australian Property Investor magazine. Reproduced with permission. - June 2005

61 kb Approx. 0:08 minutes @ 56kbps

Structuring for the future - Part 2

This article follows on from Part 1 (published in Feb/Mar 2004) and discusses some advanced issues to do with loan structuring including fixing poor structure, mortgage insurance, fixed rates, etc.

Published: © Australian Property Investor magazine. Reproduced with permission. - May 2005

70 kb Approx. 0:09 minutes @ 56kbps

Investing in Partnerships

This article discusses the lending issues associated with buying property with an investment partner and how to effectively structure your lending to minimise risk and adverse borrowing effects.

Published: © Australian Property Investor magazine. Reproduced with permission. - April 2005

92 kb Approx. 0:12 minutes @ 56kbps

Negotiating The Best Mortgage

This article provides the critical things you must know in order to negotiate the best deal with your lender.

Published: © Australian Property Investor magazine. Reproduced with permission. - Nov 2004

49 kb Approx. 0:08 minutes @ 56kbps

How Much Debt Is Enough

This article looks at how to measure your personal borrowing limit and what to do if you get into trouble.

Published: © Australian Property Investor magazine. Reproduced with permission. - Sept 2004

50 kb Approx. 0:06 minutes @ 56kbps

Seven Easy Steps To Ultimate Finance

This article looks at the seven things you need to consider when finding the right finance.

Published: Money In Practice - August 2004

421 kb Approx. 1:00 minutes @ 56kbps

Choosing The Right Loan

When borrowers make mistakes, nine times out of ten, it's due to choosing the wrong product rather than the wrong lender. This article looks at what products should be used and when.

Published: © Australian Property Investor magazine. Reproduced with permission. - August 2004

53 kb Approx. 0:06 minutes @ 56kbps

Gear Yourself Up for Investing

This article investigates if its worth borrowing more than 80% of a property's value and paying for mortgage insurance.

Published: © Australian Property Investor magazine. Reproduced with permission. - June 2004

83 kb Approx. 0:11 minutes @ 56kbps

Which Professional Packages Are Best?

This article takes a look at the professional packages in the market. The professional package market changes all the time so feel free to contact us for an update.

April 2005: There have been a few changes to some professional packages recently. Click here for a summary of these key changes.

Published: © Australian Property Investor magazine. Reproduced with permission. - April/May 2004

93 kb Approx. 0:12 minutes @ 56kbps

Loan Structuring For The Future

This article looks at optimising investment loan structuring and points out some important issues to consider.

Published: © Australian Property Investor magazine. Reproduced with permission. - Feb/March 2004

72 kb Approx. 0:10 minutes @ 56kbps

Lines of Credit

Yes, they're convenient. But are there better alternatives?

Published: © Australian Property Investor magazine. Reproduced with permission. - Dec/Jan 2004

77 kb Approx. 0:10 minutes @ 56kbps

Home Truths

This article is written by Fiona Moore from Personal Investor magazine and discusses housing affordability for first home buyers. Comments by Stuart Wemyss.

Published: Personal Investor - Dec 2003

608 kb Approx. 1:24 minutes @ 56kbps

Offset and slash interest costs

This article discusses the merits of offset accounts and includes comments by Stuart Wemyss, director of ProSolution.

Published: Your Mortgage Magazine - Dec 2003

650 kb Approx. 1:30 minutes @ 56kbps

Walk The Line With an Eye on Horizon

This article appeared in the Wealth section of The Australian newspaper and was written by Bina Brown. It discusses the pros and cons of line of credit products and contains comments by Stuart Wemyss.

Published: The Australian - Nov 2003

238 kb Approx. 0:33 minutes @ 56kbps

Secret Growth Suburbs

This article examines the opportunities created by a changing property market, how to spot the next growth suburbs, and the property experts identify growth suburbs in Melbourne, Sydney and Brisbane.

Published: ProSolution

269 kb Approx. 0:37 minutes @ 56kbps

Fixed Rates - Who Wins? Borrowers or Lenders?

Historically the banks have been the winners out of fixed rates.

Published: ProSolution Media Release

116 kb Approx. 0:16 minutes @ 56kbps

Loan Statement Checker

Bank errors are all too common. We already pay the banks too much interest and fees. In fact, a website called www.statementchecker.com.au says that overcharges are very common. Therefore, we developed an MS Excel spreadsheet that you can use to check your loan statements.

Published: ProSolution document

302 kb Approx. 0:42 minutes @ 56kbps

Unlimited Finance - Fact or Fiction?

This article was published in the Oct/Nov issue of Australian Property Investor magazine and discusses the possibility of unlimited finance.

Published: © Australian Property Investor magazine. Reproduced with permission. - Oct/Nov 2003

53 kb Approx. 0:07 minutes @ 56kbps

No Money Down Strategies - What The Banks Really Think

This article investigates non-money-down property buying strategies.

Published: Personal Investor - March 2003

1,088 kb Approx. 2:31 minutes @ 56kbps

The Truth About Offset Products

This article examines the true financial benefits of offset mortgage products and concludes that offsets probably save borrowers less than 5% in interest costs (not 40% like some banks advertise).

Published: Personal Investor - Jan 2003

324 kb Approx. 0:45 minutes @ 56kbps